Design And Implementation Of The Bank Auto Loan Risk Control System

The ownership and the sale of automobiles have been increasing rapidly in Chinain the last few years. Particularly, the fast growing of private cars has become themain power to promote the growth of auto industry. With the continuously developingof the auto market, auto consumption credit has become an important mode of autoconsumption. However, because of various reasons, a great deal of risks exists inChina’s auto consumption credit. Credit risk control is an important step of bankingrisk management process, and automobile consumption credit risk management is asloan important part of credit risk management. With the changing of marketenvironment and banking business, the completion of auto consumption credit riskmanagement affects the development of commercial bank directly.This paper, based on investigating the background and cause of auto credit riskof commercial bank, summarizes the current situations and problems of autoconsumption risk management and the its countermeasures. Then, it analyzes thedemand of auto consumption credit risk management system, according to which, itdesigns and achieves the risk management system of commercial bank.The auto consumption credit risk management system is designed by theframwork of B/S and.net3.5, with the language of C#&ASP and database ofMicrosoft SQL Server2008, aiming at solving the imperfect business managementand risk issues, improving bank automobile consumption credit risk management andreducing bank automobile consumption credit risks. The system can improve thequality of basic information of automobile credit borrower, basic information ofautomobile consumption credit dealer, credit risk management indexs, riskearly-warning level. The informationization and networking of commercial bankautomobile consumption credit risk control system can help solving the problems ofthe implementation of risk control, improve the level of bank automobile consumptioncredit risk control and reduce the bank credit risk. So, this paper is helpful to improvecommercial bank automobile consumption credit risk management.