Investigation Of Risk Of Automobile Consumption Credit In China

After speedy developing of a few years, the automobile credit market is into stagnancy. Some creditors(commercial banks) are heightening the credit doorsill , retreating from the market even, insurance agents being in two minds at the door of market, and the credit increment of the market reducing. The ultimately reason of the plight is the gap between the risk capability of the bank and the risk taken. The ultimate path out of the plight is to lessen the risk taken by the creditors at the condition of the steady risk capability of creditors.The article tries to analyse how to lessen the risk taken by the creditors from two aspects. First, analyzing the root of risk from the mode, dividing the risk to repaying capability risk, credit risk, market risk and other risk, bringing forward how to reduce all the risk, we can control the risk at the headstream. Second, at the condition of the immobility of all the risk we find the way to transfer the risk taken by the creditor. In the article we are bringing forward five paths: guaranty, impawn, insurance agent, automobile dealer, and professional guarantee agent. The two aspects do their work together to settle the mess in the automobile credit market.