本文首先对我国消费信贷的现状进行了总结,其次对导致借款人违约的不同影响因素进行了分析,在此基础上对消费信贷理性违约模型进行了探讨,阐述了各参数的意义及其作用,对商业银行等金融机构信用风险管理水平的提高有一定的帮助。 This paper first summarizes the status quo of China’s consumer credit, and secondly, it analyzes the different factors that lead to the default of the borrower. On this basis, it explores the rational default model of consumer credit, elaborates the significance of each parameter and its role, It will be helpful to improve the credit risk management of financial institutions such as commercial banks.