Study On The Risk Control Of Automobile Consumption Credit In Pingan Bank

China's auto industry has experienced rapid development in the 10 years after the change happened to turn the world upside down,the car has become the main force in the high-end brand car sales,also began to invest in China,prices more and more civilians,many car brands gradually won the trust of consumers.With the constant stability and maturity of the automobile industry,automobile consumption credit has gradually entered the consumer's vision.This paper will take the Shijiazhuang Ping An Bank,for example,were studied by multivariate analysis method,literature research method,interview method,questionnaire survey of the status of Ping An Bank consumer credit risk and auto finance companies,the design of automobile consumer credit risk evaluation system,set up three level index system on the basis of referring to the "Overview" of the financial risk measurement think,can be the operation risk,credit risk,market risk is set to two level index system of the risk,the operational risk includes 3 three indicators of credit quality of personnel,information asymmetry,dealers illegal operation;credit risk includes 4 three indicators of basic personal information,personal credit,personal finance,family basic information market risk;including 3 level three indexes,collateral devaluation risk management system,risk early warning system.The study can be found in the three indicators of the quality of personnel,the credit risk management system,risk warning system,dealers illegal operation,information asymmetry,collateral devaluation,personal credit,personal finance,family basic information,basic personal information for auto consumption credit risk influence gradually decreasing.In addition,there are problems that the current Shijiazhuang Ping An Bank auto consumption credit: loans before the loan before the survey of mechanization,risk control awareness is not high,the dealer supervision and guarantee system is not perfect;there are indicators,examination content,credit operational risk loans;existing supervision after loan form and credit risk management system early warning mechanism is not perfect,the risk management problems such as unreasonable loans.That car consumption loans should be refined before the automobile consumer credit products,to strengthen cooperation,enhance the supervision of car dealer risk monitoringconsciousness,improve the credit guarantee system;in the automobile consumption loan should construct comprehensive risk assessment model,strengthen the credit review department for education and training,personnel construction work norms restrict each other in the automobile consumption;after the loan should establish effective tracking and collection system,improve the credit system,the establishment of loan risk early warning mechanism.