个人消费信贷是市场经济不断发展、人民生活水平日益提高的必然产物，作为新兴金融服务产品已经成为各商业银行收入的新增长点。要想使个人消费贷款业务蓬勃开展起来，有效地刺激内需，促进国民经济协调发展，就必须建立健全一套有效的个人信用风险防范机制。第一，建立银行风 Personal consumer credit is an inevitable result of the continuous development of market economy and the ever-increasing standard of living of the people. As an emerging financial service product, personal consumer credit has become a new growth point for various commercial banks. If we want to boost the personal consumption loan business vigorously and effectively stimulate domestic demand and promote the coordinated development of the national economy, we must establish and improve a set of effective personal credit risk prevention mechanisms. First, establish a bank style