A Research On Risk Management Of Credit Card Installment Payment Of Car Loans In X Branch

With the all-sided implementation of our county policies for improving national living standard and expanding national consumer demand,alone with the evolution of reforming of monetary system, commercial bank credit card installment bushiness, as a burgeoning auto credit financing mode, turns into the main source of income of intermediate business of commercial banks. Commercial banks in China regard automobile credit card installment bushiness as a fresh growth point of profit.However the process of development is not without a hitch but accompanying with problems.Especially in these years,rapid expansion drives automobile credit card installment bushiness developing into the risk of infections.The auto loan business supported with credit card installment has great market demands and it is developed rapidly.But it is becoming harder and harder to apply risk Management because of the particular characteristics of risk.In addition,the imperfection credit system,the defective guarantees and insurance system,make the situation worse.X sub-branch is in a dilemma even though it is proactive in innovation and excellent in developing situation.Being relax on investigating requirements to ensure business quantity and improve market share or intensifying risk management as the primary goal and doing business steadily,is becoming the present problem. The writer thinks that discerning, avoiding, controlling, supervising the risk of credit card installment bushiness is the essential requirement and primary task for health development and continuous return.This article is based on the conformity of domestic and foreign theoretical research outcomes.BY summarizing credit card automobile installment bushiness risk theory and combining with self-experience,the writer analyses and investigate the existent risks including credit risk, market risk, operating risk, cheating risk and reputation risk.And then bring forward the strategy and advice on risk management. The article usesreal data and cases picking up from daily management of X-subbranch to upgrade the risk management level and reduce the automobile loan risk by improving interior management system, avoiding exterior cheating and consummating risk management mechanism.The research in this article can help X-subbranch to ensure the existing risks in daily ensure and bring forward bring forward risk management strategy and promote continuable progress in credit card automobile installment bushiness.Meanwhile,it is significative of reference for the entire banking area.This article consists of six parts.The first part is the abstract which introduces the background and purpose of the research and the domestic and foreign situation of correlative research.The second part makes a summary of the theories on credit card automobile installment bushiness.The third part introduces the total business situation of X-subbranch and the main measures in daily operation.and describes the main types of risk and typical cases of risk management.The fourth part analyses the problems and the causes on risk management in X-subbranch and explains why it is hard to avoid the risk. The fifth part puts forward the preventive measures and countermeasures for avoiding risk for X-subbranch.The sixth part brings forward the conclusion and advice.The researches of X-subbranch on risk of credit card automobile installment bushiness give a guidance of risk avoiding for banking area.Meanwhile,it gives reference and guidance for other banks and correlative departments.