Research On Credit-Risk's Management Of Chinese Commercial Bank Credit Card Car Installment

The credit card car installment business is based on the development of traditional automobile consumer loan business,using credit card as carrier to issue credit line.It means that the cardholder only needs to pay a certain percentage of the down payment when buying the car,the remaining funds are paid by the bank in a lump sum to the car dealer,and then the cardholder pays the bank's amortization principal and the amortization fee.The rapid development of the business led to a large number of credit risk,which requires the commercial bank's fine management in credit risk.Because of the complex causes of credit risk and the uniqueness of credit risk of credit card automobile staging business,this paper puts forward a credit risk measurement model-Logitic model to analyze the impact of various risk factors on default events.On the basis of empirical analysis,some countermeasures and suggestions are put forward on how to guard against credit risk in credit card car staging.This paper introduces the relevant theory of credit card auto credit risk first of all,which analyzes the reasons and characteristics of credit card car credit risk,then it introduces the present situation of credit card car credit risk.Taking the real customer data of a branch of a commercial bank in China as an example,this paper introduces the above key factors into the Logistic model to verify the influence of various risk factors on the credit card car credit risk.On the basis of the empirical analysis,this paper puts forward some suggestions on how to guard against credit risk in the credit card car staging business.According to the influence of various risk factors on credit risk,commercial banks should screen good low-risk customers and prevent and control the risk from the source.At the same time,China's commercial banks should establish a set of sound credit risk management system,strengthen risk monitoring and early warning;Furthermore,the government of our country should strengthen and perfect the credit related legislation,to the malicious breach of contract acts to play a disciplinary role.