| With the improvement of living standards,cars have become a necessity in life.At the same time,more consumers began to accept the concept of auto mortgage finance,which led to the accelerated development of the auto finance industry.After two decades of explosive development,China’s automobile industry has become an important pillar industry in the national economy with an annual sales volume approaching 30 million.It is also because of the long-term development that the development of the automobile industry has encountered a bottleneck.The booming growth of automobile consumer credit,on the one hand,provides new profit points for various automobile manufacturers,on the other hand,it is also one of the main ways to help balance the contradiction between automobile supply and demand.It is precisely because auto finance,as a relatively new type of financial service,attracts more and more auto manufacturers and financial institutions to enter this field,and the consequent risk problems are gradually revealed.In particular,China’s own credit system is not good,the risk management is lagging behind,the relevant legal system is not perfect and other reasons for the development of China’s auto finance industry has had a certain negative impact.At present,the risk control problems exposed in the auto finance industry include the following types: customer credit risk,identity forgery,false car purchase,potential intermediary fraud in the market,post-loan overdue disposal risk,etc.The core of auto finance is risk management and control.Compared with foreign developed countries,the penetration rate of China’s auto finance still has a lot of room for development.The lack of experience in the prevention of auto finance risks is also the reason that hinders China’s auto finance industry from getting closer to western developed countries.Firstly,this paper expounds the relevant concepts of automobile financial risk management and the existing research status of domestic and foreign scholars on this issue.Secondly,it analyzes the macro environment of automobile finance with the PEST model,and compares the different ways of credit risk management of automobile finance at home and abroad to extract the reference parts.In addition,this paper focuses on B auto finance company as an example,carries out SWOT analysis on B company’s development in the industry,and finds out the problems in its credit risk management and analyzes the causes through three nodes: pre-delivery,in-delivery and post-delivery.The optimization strategy and safeguard measures of risk management are put forward through three aspects of pre-shipment,in-shipment and post-shipment.This provides a reference for the optimization of credit risk management of B auto finance company. |
