The Study For The Auto Financial And Supervision Problem

With the further opening-up of china automobile financial business, more and more international auto financial organizations are entering Chinese market. At the same time, the development of the auto financial business plays very important roles in the stabilizing china auto market, pushing forward China auto production and realizing macro-economic regulation policy of enlarging national needs. The key is how to design a developing strategy for China auto financing. This thesis is a theoretical study of the supervision role of the governmental body in the auto financing. It mainly discussed the supervision policies concerning the goal, methods and ways to deal with the relations among supervision, development and innovation. The thesis also choose Hunan auto financing development as the research model, analysise positively the inside and outside elements that influence Hunan auto financial development and how to standardize the development of Hunan auto financial business. By borrowing the international successful experiences of auto financing, the thesis analyzes macro and micro factors that influenced and will influence China auto financial business, and then gives suggestions on policies concerned from four aspects, i.e. intra-supervision, extra-supervision, market supervision and corresponding measures, in order to promote a standard, healthy and rapid development of China auto financial business.This thesis focuses on the construction of China's auto financial supervision framework for the preliminary design of the overall system:1. Strengthen internal risk management and control auto for financial business, including the establishment of the general risk management framework, risk management information systems and risk management organizations; improve the credit risk management of automobile's consumption, strengthen automobile financial business cooperation between the internal and external.2. Establish government extra-supervision system, which include establishing perfect supervision legal system and automobile financial supervision mechanism, strengthening risk management of automobile consumer credit services and automobile financial company and business supervision, gradually open the capital resource and service network channel of professional auto financial business 1 etc.3. Perfect the market supervision system, including foster unified and open automobile financial business system, vigorously develop the auto financing rent trade industry, strengthen the self-discipline of automobile financial industry, establish and perfect information disclosure mechanism.4. Establish supporting policy measures, including speeding up the establishment of Chinese social credit system, strengthening the idea of automobile consumer credit services as well as publicity and education of automobile financial knowledge, speeding up training the talent of automobile financial.