| Since 2009,when China overtook the United States to become the world’s largest car owner,China has been the world’s largest auto producer and seller for a decade.The increase of Chinese people’s income and the change of residents’ consumption consciousness have made people have more demand for cars.Behind the rapid growth of automobile sales,automobile consumer finance market has also been greatly increased.But our country’s automobile consumption loan business has just appeared in the late 90 s,while Europe and the United States and other developed countries has nearly hundred years of history,the development of China’s automobile consumption loans has also just just 20 years,so whether Banks,financial institutions and other third parties,or car possible risks in the credit business on car isn’t perfect control,plus the limits of national policy,the lack of the lack of legal system,management system,is the development of China’s automobile consumption loan business have an adverse impact.Therefore,this paper chooses the personal automobile consumer credit risk management of bank A as the research object.First,through A large number of literature review,introduce the theoretical knowledge of risk management of auto consumer loan business,and then through A practical investigation,analyze the auto consumer credit situation of bank A.In view of the current operation status of consumer credit business,this paper puts forward the main problems of bank A’s internal approval process,personnel management,and backward loan management.Through theoretical research and practical research,this paper analyzes the countermeasures of the personal auto consumer credit business of bank A that may be faced with non-performing loans,and then tracks the effect of the countermeasures implemented by bank a.finally,it believes that the measures taken are necessary and effective.Through research,this paper believes that when dealing with auto consumer loan business,bank A should strictly control the approval process and strengthen follow-up monitoring.When the "direct customer" mode is adopted,the data provided by customers should be strictly examined,and the external credit platform should be used to avoid high-default customers and reduce the risk of the bank itself.At the same time,in order to better and faster adapt to the needs of the constantly developing market,constantly launch credit products that adapt to the market,pay close attention to the changes in the price of the automobile market and the changes in the market interest rate,so as to make timely adjustments to the automobile consumer loan policy. |
