Summary: In recent years， China's banking industry to improve the corporate management structure， improve the internal control system， innovative financial instruments， change their operational mechanism， establish and improve evaluation methods and achieved remarkable results in a strong impetus to consumer credit business of regulating Bank of consumer credit business in the product mix and service standards， business scale， risk control and so on are constantly improving and At the same time， commercial banks to gradually form the theme of housing loans， automobile consumption loans， consumer loans， consumer loans， student loans and other loans species composition of the total loan system and achieve the level of the scale of their However， in commercial banks based on market demand and regulatory authorities require developing consumer credit business market， the consumer credit business to accelerate product innovation， improving consumer credit business services means the same time， which implies the risk of the same can not be Therefore， in-depth study of China's existing legal and policy environment on the basis of consumer credit business development constraints， consumer credit business of the risks and control measures， to guide China's commercial banks in accordance with the law regulating the conduct of business and consumer credit Speed up the consumer credit business innovation has a positive and practical Key words: consumer credit risk measures
