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.
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