摘要：商业银行个人贷款业务已成为国内各家商业银行优化信贷结构，提高信贷资产质量，改善经营效益而大力开展的战略支柱业务。但是随着个人信贷业务的蓬勃发展，贷款规模不断扩大，其自身积累的风险也随着时间的推移逐渐暴露。本文基于对商业银行个人信贷业务可能发生的风险分析上，探讨了加强风险防范的必要性和原因，最后浅析了加强防范的具体措施。

关键字：个人信贷  潜在风险  商业银行

Abstract: Commercial bank personal loan business has become a strategic pillars of domestic commercial banks to optimize the credit structure, improve the quality of credit assets, improve operational efficiency and vigorously carry out business. However, with the booming business of personal credit, loan size continues to expand its own accumulation of risk over time gradually exposed. In this paper, based on the personal credit operations of commercial banks that may occur on the risk analysis, discussed the need to strengthen risk prevention and causes, and the Analysis of specific measures to strengthen prevention.

Keywords：Consumer Credit；Potential risks；Commercial bank