Research On The Risk And Preventive Measures Of Personal Car Consumer Credit Guarantee Of TX Company

Founded in 2013 TX personal automobile consumption credit guarantee division since the business scale of 30% annual growth rate, as of the end of 2015 a total of 200 million guarantee. In the business scale TX company's growth, but also gradually exposed many risks, the risk is not released by the end of 2015 was 15 pen 1.88 million, the risk factor of 0.99%, far exceeding the 0.5% industry guarantee the safety line. In order to ensure the company's health and sustainable development, prompted me I conducted research firm TX personal automobile consumption credit guarantee risk management.From 2013, TaiXin Corporation has involved in commercial banks personal automobile consumer credit guarantee business. Based on public service groups, TaiXin Corporation has made rapid development. At the same time, some risks are slow to emerge. This thesis evaluates and analyzes all kinds of risks, such as credit risk, operational risk, policy system, legal risk, moral hazard, and the unfair competition. By researching the latest data, surveys and interviews, Tai Xin Corporation's actual case analysis and other methods, this article has made use of the law of large numbers, expected income and disperse the risk and credit scoring model theory in order to get the risk avoidance, risk diversification and risk transfer, optimize the existing risk management measures, Ameba Management Measures against moral risk prevention. It also calls on relevant departments of our government to improve defects of the policy and law system and to establish the competition in the industry norms of constructive suggestions. What the main conclusion is although the various risks are complex and diverse, the risk can be effectively controlled through the national policy, institutional and legal support and by using a variety of prevention and management measures. This study covers the credit level, review the loan before the survey, a full range of risk management research, moral level of the operator, changes in the automotive market, institutional and national policies after the loan industry norms. By optimizing the company's design philosophy TaiXin guarantee risk management programs, change the original main way to judge rely on personal experience, the quantitative and qualitative analysis of the various factors of risk that may arise, the risk of the introduction of credit scoring models for accurate positioning and classification, five categories of risk are designed to resolve a specific preventive measures. In the application of specific measures of risk prevention aspects, TaiXin Company must implement risk management measures to improve the company's strategic level to ensure the implementation of the effect, not only need the appropriate human, material and financial resources on investment, but also need assistance to manage, organize, performance other aspects of the protection of investment in order to ensure the effectiveness of implementation.From the comprehensive research of a private enterprise of personal auto consumption credit risk, this article not only provides great practical application value for TaiXin Corporation's automobile consumer credit guarantee risk management, but also has the certain reference value to other financial institutions personal auto consumption credit risk management.