| Automobile consumption loan is a consumer credit that the borrowers, i.e. the car buyers, apply to a financial institution with some measures, e.g.,mortgage, pledge, buying insurance or the third-party guarantees,to pay for the car, and then return the principal and interests by installment to the financial institution. With the steady and high growth of Chinese economy, the arrival of an upgraded consumption era and the readjustment of the industrial structure in recent years, the auto industry has stepped into a period of rapid development.However the automobile consumption credit business has undergone a zigzagging process of start, development, cooling down and resuscitation since the introduction of credit business for private automotive consumption risks arising from the incomplete establishment of the national credit system, the morbidity of the relevant legal regulations,the lack of a series of scientific and efficient risk prevention mechanisms,which have gradually become the bottleneck for financial institutions' credit for private automobile consumption.At first the thesis introduces the development of the Chinese automobile consumption credit business, showing its true status in the process of the development.and analyzes in detail about the cause of private automobile consumption credit risks from the consumer, the financial institution, business partners of the lender, and social economic environment. The paper explains consumption credit risk of automobile how to come into being by establishing a Game model, and uses a logical model to check up these factors on the impact of Chinese automobile consumption credit degree.At last, this thesis proposes a series of efficient suggestions and measures which would control automobile consumption credit risk of China. Such as To improve the borrower's debt paying ability; Enhance personal credit system construction; Specification dealers selfish behavior; Perfect risk management system; Perfect guarantee system. |
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