Research On The Automobile Divisional Business Risk Management Of The ZZ Branch Credit Card From Pthe Industrial Bank

With the development rise of Chinese automobile consumption market and the increasing demand for the use of credit cards use,credit card automobile installment business emerged as the times require,and it has become an important financial form of domestic auto financial consumer credit business.Through this financial products,customers,car dealers,banks achieve win-win results.However,while the business is booming,the research on risk management of most banks is relatively lagging behind,and some new risk types appear.Its main performance is bill overdue,ineligibility before the loan,failure to review,etc.As the secondary branch of Industrial Bank Co.,Ltd.,ZZ branch has the jurisdiction over subordinate branches in Henan Province,taking this branch as the research object of this paper,it is helpful for more comprehensive research of risk management on the credit card auto installment business.Based on the study of the product characteristics of credit card instalment business in Industrial Bank ZZ Branch,this paper analyzes the main causes of various risk types one by one,combining with the various risk types encountered in practical work.Such as card holders default risk,the overall of front-end personnel,examination and approval personnel exist oversight and so on.Specific to pre-lending,lending,and post-loan aspects,ZZ Branch has also introduced relevant measures of risk management to deal with the problems in the development process of credit card car installment business,such as strengthening the identification of customers' basic conditions,strengthening the training and supervision of front-end personnel,supervising and examining the quality of examination and approval,etc.With the development of automotive energy technology and the support of national macro economic policy in recent years,and the development prospect of auto finance field is really broad.Doing a good risk management research on credit card car installments business of Industrial Bank ZZ Branch,will provides a solid guarantee for the healthy development of credit card car installments business in ZZ Branch.It also provides theoretical and practical experience for similar business of other financial institutions in China.