1, personal credit information system is not perfect. Personal consumption credit risk mainly comes from the borrower's repayment ability and personal credit risk, that is, the fluctuation range of personal income and the level of moral quality cultivation, in which personal credit status is closely related to the credit environment of the whole society. On the premise of relatively stable income level, the degree of grasp of consumer credit by commercial banks determines the degree of development of consumer credit.

2. There are defects in the self-management of commercial banks, which increase the potential risks. At present, although the domestic commercial banks continue to strengthen the system construction, the overall management level is still not high, and it is difficult to jump out of the strange circle of "letting go at random and catching up with death". Because the personal consumption credit business has not been established for a long time in China, it lacks advanced management experience in this field. Under normal circumstances, the credit officers of commercial banks only rely on the original inquiry materials such as the borrower's identity certificate and personal income certificate to make judgments and decisions. Personal credit investigation basically depends on the borrower's self-report and his employer's explanation. The borrower's assets and liabilities, social activities, and most importantly, whether there are illegal records and untrustworthy behaviors lack normal procedures and channels, which leads to information asymmetry between banks and customers.

3. The relevant laws and regulations are not perfect. At present, there is no national law to regulate consumer credit activities and adjust consumer credit relations. The current legal provisions are basically formulated for legal persons, but there are few provisions for consumers' personal loans, and the punishment methods for dishonesty and breach of contract are not specific. Even if there is, there seems to be a tendency to safeguard the rights and interests of debtors. The implementation of many new laws and regulations directly leads to legal defects and problems in loan contracts and related contracts. This makes banks lack legal protection when providing consumer credit business, and they are often helpless for the problems that arise. Because the customers of consumer credit business are scattered, all of them are individual consumers, and the loan amount is small and the loan amount is large, the laws and regulations to protect the bank's creditor's rights are not perfect, especially in the guarantee of personal loans, the cost of bank's execution of creditor's rights is high, the investment of manpower and material resources is large, and the implementation of risk control is difficult. The rapid development of urban and rural consumer credit business calls for the promulgation of China's consumer credit law as soon as possible.

4. Blind marketing, unplanned distribution of consumer credit, resulting in huge risks. In recent years, in order to expand profitability and seize market share, commercial banks have encouraged their branches to vigorously develop personal consumer credit business. In the specific implementation process, there have been many illegal operations. In order to expand the scale of consumer credit, some commercial banks have issued hard lending targets to grassroots banks. Many banks have lowered the loan standards and guarantee conditions without authorization, and provided consumer loans to customers with high risk and low credit. In some areas, grass-roots banks even give each employee a certain amount of consumer credit in order to complete the loan task. Many employees blindly borrow money in order to complete their tasks, and even use their loans for high-risk investment or stock trading. The spread of this phenomenon will cause a new round of risk accumulation, which is not conducive to the healthy development of consumer credit business.