A Research On The Establishment Of Differentiated Credit Lines For ABC's Automobile Installment Customers

In recent years,with the rapid development of China's automobile consumption market and the vigorous promot:ion of domestic demand and encouragement of consumption by the state,the automobile financial market ushered in a new era of development.With banks paying more and more attention to Intermediary business income,automobile staging business has become an important growth point of bank revenue..Faced with the rapidly expanding automobile financial market,which bank's credit card automobile installment business credit policy is more flexible,its business process is more efficient,and its service is better,who can occupy an advantage in the market competition.Faced with the flexible way of credit granting adopted by CCB,Recruitment Bank and other industries,online paperless processing,How to Construct Differential Credit Quota for Automobile by Stages and improve process efficiency has become an urgent problem to be solved by the Agricultural Bank of A.Based on the construction of credit quota of the Agricultural Bank's automobile staging customers,this paper systematically studies the relevant literature at home and abroad,the concept of automobile staging business,business process,personal credit score,commercial bank marketing and other related theories.On this basis,this paper uses literature analysis,case analysis,questionnaire and other methods to analyze the current situation,existing problems and causes of credit quota management of Agricultural Bank of A's automobile staging customers..It concludes that ABC's automobile staging has a series of problems,such as insufficient product innovation,great influence of the subjective wishes of the examining and approving personnel,and low business process.The main causes are silver.There are deviations in bank credit concepts,inadequate implementation of phased policies,lack of innovation in business investigation,and imbalance between business marketing and risk control.Through the analysis of the Agricultural Bank of A's stock,increment and purchasing behavior,group characteristics and risk situation of potential automobile staging customers,the paper designs a differential credit Construction scheme for automobile staging customers,including a package of improvement measures such as optimizing product policies,recommending differentiated credit lines,improving business processes,etc.Then,through the establishment of pilot mechanism,conduction training,implementation of responsible persons,strengthening assessment and other measures to comprehensively promote the implementation of the program landing,and finally through the establishment of post-evaluation mechanism,determine the work ideas of periodic evaluation,feedback and adjustment of the program,in order to optimize and improve the differential credit quota Construction of the Agricultural Bank of A's automobile staging customers,Increasing the Process Efficiency and constantly enhance the Agricultural Bank of A's automobile staging industry.Market competitiveness of business.