The Causes And Control Strategy On Risk In Automobile Loan For China

Automobile consumption loan is a consumer credit that the car buyers raised a mortgage on a car from a bank within line of credit of a bank, meanwhile, the borrowers must return the credit by installment to the bank. With the rapid development of automobile industry, the development process of automobile consumer credit in our country is complicated. Due to features of automobile value itself and market competition, automobile consumption loans itself contains great risk. How to establish a set of effective mechanism to guard against the risk of automobile consumption loan has become the key problem that affects the development of automobile consumption loans in china.The auto consumption credit risk in the process as the research object, introduces the basic concept of automobile consumption credit risk and its manifestations, measurement, based on this, analyses the influence factors of automobile consumption loan risk, the risk of automobile consumption credit causes and preventive measures. Using the method of combining theoretical research with empirical research, the connotation of the car consumption loans, expounds the causes of the risk of car consumption loans, the corresponding preventive measures, to explore the application of these measures in financial institutions, and then through the analysis of the Z A Bank of automobile consumption credit risk management practice, points out that the financial institutions should pay attention to in the automobile consumption credit risk management problems. Finally, the automobile consumption credit risk management is discussed. Unlike methods on analyzing risk in automobile consumption loan available, we mainly focus on empirical analysis on risk in automobile consumption loan. The proposed measures in this paper will be of great benefit to risk management in automobile consumption loan.