摘要近年来,由于生活水平和消费质量的不断提高,使得消费信贷的需求也相应增加。在越南,商业银行是消费信贷的主要提供者,因此近年来商业银行的个人消费信贷业务得到了快速的发展,但越南商业银行的个人消费信贷业务在很多方面还需要进一步完善。越南商业银行单一的、传统的个人消费信贷服务在近几年的发展中已经不能满足客户的需求。加之一些小额贷款银行的进入,使个人消费信贷市场的竞争更加激烈。因此,在激烈的市场竞争下如何寻找目标市场,从而制定正确的发展对策,使个人消费信贷得到长远的发展是越南商业银行目前函待解决的问题。68216

毕业论文关键字：个人消费信贷；信贷服务；发展对策  

毕 业 论 文 外 文 摘 要

Vietnam’s development status of consumer credit and countermeasures

Abstract

In recent years, due to the continuous improvement of living standards and consumption quality, make consumer credit demand also increases accordingly. In Vietnam, the commercial bank is the main provider of consumer credit, so the personal consumption credit business of commercial Banks in recent years has been rapid development, but in Vietnam's personal consumption credit business of commercial Banks still need further perfect in many ways. Vietnam a single, traditional commercial Banks personal consumer credit services in recent years in the development of already can't meet the needs of customers. Together with some microfinance Banks into, make personal consumption credit market more competitive. Therefore, in the fierce market competition how to find the target market, so as to formulate correct development countermeasure, make personal consumption credit to get long-term development is Vietnam commercial Banks at present urgently solve the problem. 

Key words: personal consumption credit； Credit services； Development countermeasures 

目   次

1  绪论 1

1.1  研究背景及意义 1

1.2  研究思路与内容 1

2  个人消费信贷相关理论概述 2

2.1  个人消费信贷的概念 2

2.2  个人消费信贷的种类 2

2.3  个人消费信贷的特点 3

2.4  个人消费信贷的作用 3

3  越南个人消费信贷的发展现状 5

3.1  个人消费信贷业务的发展历程和总体规模 5

3.2  个人消费信贷业务的种类和结构 6

3.3  个人消费信贷业务的市场特点 8

4  越南个人消费信贷发展中存在的问题 8

4.1  个人信贷机构体系不健全 8

4.2  个人消费信贷法律法规不完善，立法滞后 9

4.3  商业银行信贷管理机制不够严格 10

5  越南个人消费信贷的发展对策 10

5.1  诚信建设是基础 10

5.2  健全个人消费信贷的法律法规 12

5.3  完善商业银行个人消费信贷制度和监管体系 12

5.4  进一步完善消费信贷的担保制度