在大力发展消费信贷以求增加利润时，如何规避个人信用风险已成为商业银行关注的焦点。
With the development of the consumptive credit loan, commercial Banks have to focus on how to avoid personal credit risk and improve efficiency for more profit.
个人信贷消费的快速增长要求商业银行具有较为完备的信用风险管理体系。
The fast growth of personal credit consumption requests the bank to have perfect credit risk management system.
近几年，随着消费信贷的飞速发展，人们开始越来越关注消费信贷信用风险的控制和管理。
In the recent years, with the rapid development of consumer credit, people began to pay more and more attention on the control and management of the credit risk.
个人消费信贷规模逐年增大，产生了对个人信用风险控制的需求。
The increasing amount of individual credit loan creates demand for the control of individual credit risk.
只有这样，才能使消费信贷的信用风险减至最低，提高消费信贷的质量。
If all above are done, credit risks from consumer loan could be minimized and consumer loan quality be improved.
本文从五个方面对我国个人消费信贷的信用风险控制进行了描述。
The paper has decrypted the personal credit risk controlling from five aspects.
国外经验表明，个人信用评分模型作为一种有效的个人信用风险管理工具，在商业银行的信贷消费决策中起到了非常重要的作用。
The foreign experience indicated that, as an effective individual credit risk management tool, credit rating model played a very important role in the commercial banks' credit decision-making.
结果表明，借款人的婚姻状况、职业稳定性、受教育程度以及年龄是深圳和哈尔滨消费信贷信用风险的共同重要影响因素；
The result shows that marriage, occupation, education and age are the common important impact factors of credit risk in Shenzhen and Harbin.
结果表明，借款人的婚姻状况、职业稳定性、受教育程度以及年龄是深圳和哈尔滨消费信贷信用风险的共同重要影响因素；
The result shows that marriage, occupation, education and age are the common important impact factors of credit risk in Shenzhen and Harbin.
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