Risk Management Research On The Automobile Consumer Loan Of N Bank

With the rapid growth of China's economy,the continuous growth of residents1 consumption level,cars have become a necessity for every family.China's auto market gradually mature.In this context,Demand for personal car loans has also grown rapidly.Since the start of auto consumer installment loan,credit scale and intermediate business income realized leap-forward growth,auto consumer loan business has become a new profit growth point of N bank.But With the increasingly fierce market competition,the credit risk of the installment loan of automobile consumption keeps appearing,the non-performing loans are also climbing.So,How to evaluate the credit risk of automobile consumption installment loan scientifically and effectively,and how to manage risk management,has become the premise of controlling the risk of auto consumption loan installment.This paper starts with the process of N bank personal auto consumer loan business,select real business data,introducing the development status of automobile consumer loan business,existing in the risk management of N bank are deeply excavated,and the process of loan before the loan approval,loan management and loan clearance at the link as the main line of the causes of the risk made a specific analysis,then put forward some suggestions on improving the loan letter of N bank,including perfect the credit evaluation system,optimizing the customer access of loan before the credit,enhancing the awareness of risk control,and optimizing the risk assessment process.This paper studies the risk management of auto consumer loan of N bank,it not only provides certain reference value for the continuous healthy and stable development of the business in the later period of N bank,and it also provides some reference for other commercial Banks to strengthen the risk management of credit business.