惡意約款 的英文怎麼說
中文拼音 [ěyìyāokuǎn]
惡意約款
英文
clausula doli-
So it is important to research how to manage the risk of consumption credit of commercial bank in our country. the construction of this paper as follows : chapter 1, general introduction of consumption credit and its current situation in our country ; chapter 2, analyze the type of the risks and the current risk situation in our country ; chapter 3, analyze the reason of causing the consumption credit risk ; chapter 4 and chapter 5, put forward the main thinking of manage the consumption credit risk, including standardize the internal management of commercial bank and establish a better social circumstance
其主要原因一方面是由於消費信貸在我國起步較晚,各種規章及配套措施尚不健全,並且我國個人信用體系缺乏,消費者的信用意識薄弱,造成消費貸款中大量的違約情況產生,而由於失信者的違約成本很低,就進一步的惡化了消費信貸的環境;另一方面,商業銀行本身風險管理水平不高,內控制度不完善,導致對消費信貸風險管理的不到位,也是使商業銀行消費信貸業務風險加大的原因。
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