Research On The Commercial Bank's Comprehensive Credit Process And Risk Management Of The Auto Dealer Group

Is restricted by the state,the policy for purchasing,car brand,rise from domestic manufacturers,auto industry competition is intense,the influence of such factors as the automotive retail industry has entered a steady slow growth stage.Car dealers,as the terminal of the automotive supply chain,are also undergoing shuffling.After a series of mergers and acquisitions,the automobile retail industry pattern is formed.Under such an industry background,the auto retail industry enters the era of micro profit,and the credit risk control of automobile dealer group is also very important.At present about how to control the car dealership group credit risk,in the industry does not have a standardized process and evaluation mechanisms,mainly rely on the experience in the process of credit to car dealers credit risk evaluation and the control group,the operation is extremely easy to overlook car dealer group in the process of credit risk,credit credit risk,bring losses to Banks and institutions.Aiming at the status quo,on the car dealership group's credit risk analysis model design,for the future of the auto dealer group comprehensive credit business process and risk prevention have guiding significance.In this paper,the general credit of commercial bank past are expounded,and analysis of commercial bank credit risk,think comprehensive credit of commercial bank in the process of actual operation mainly controls the risk of credit risk and operational risk.It also analyzes the current situation of automobile retail industry in China,and points out that the automobile dealer group has become the trend of automobile retail industry.The factors that influence the development of automobile dealer group are analyzed,and the external environmental factors and internal factors are decisive to the development of automobile dealer group.Based on this analysis,the risks of automobile dealer group development mainly include: market risk,operation risk,liquidity risk and group expansion risk.This paper,by comprehensive credit risk analysis and car dealership group,the existing lending and credit before,post-loan credit process and risk control measures is analyzed,and the inspection and analysis of the deficiencies existing in the actual operation,put forward the related solutions,improving the system of the existing credit and risk control measures.Based on the analysis and improvement of existing credit granting cases of automobile dealer groups,a new comprehensive credit granting procedure and analysis method of automobile dealer groups are proposed.Finally lead to M bank HX auto trade co.,LTD.,the car dealership group comprehensive credit analysis.Compared to the original credit process,the program and the method is more emphasized in the whole process of credit to car dealers group's regulation and control,also more perfect risk control method is proposed,through a series of test and demonstration proves that the new process of credit and risk management more scientific,better integrated credit risk control car dealer group.