Research On Credit Risk Prevention Of A Bank Auto Consumption Installment Loan In Suzhou

Suzhou A bank since the start of auto consumer installment loans, credit scale and intermediate business income to achieve leapfrog growth, auto consumption loan business has become the new profit growth point of the line. With the rapid development of the scale and business, the market competition is becoming increasingly fierce, Suzhou A bank car consumption is also rising rate of non-performing loans, the loan risk is gradually emerging. Based on this, how to scientifically and effectively assess the credit risk of auto consumption loan, has become the premise of controlling the risk of auto consumption loan installment.The in the study of the domestic and foreign automobile consumer credit risk prevention based on the advanced experience, first of all in view of the present situation of the Suzhou a car consumption stage loan business processes and risk prevention, revealing the problems of the Suzhou a risk prevention present situation, and the causes are analyzed; and then puts forward to improve Suzhou a car consumer installment loans credit risk prevention measures and countermeasures, including perfect credit evaluation system, enhance their awareness of risk monitoring and risk assessment process optimization, promote credit system construction and perfect guarantee system and other measures. Finally, the credit risk prevention of auto consumption installment loan is prospected.Although the current domestic and international research on the risk prevention of auto consumption loan installment is more detailed, but most concentrated in the theoretical research, the combination of the actual work of the case is still relatively small. The in specific regions of the Suzhou a car consumption for installment loans credit risk prevention status based, on the commercial banks in the development of automobile consumer installment loan business credit risk prevention policy recommendations. But also for other related the automobile consumption financial structure risk prevention to provide a reference.