Research On The Optimization Of Auto Finance Risk Management Of C Bank J Branch Based On Digital Transformation

In 2018,China’s auto market began to enter the downturn,ending more than 20 years of sustained growth.Affected by this,auto dealers’ profitability and turnover capacity generally declined,and business uncertainty increased.Auto finance business based on auto dealers’financing needs for car purchase is facing more severe risk control pressure.J Branch of Bank C is located in a major province of automobile consumption in China.Its auto finance business scale once ranked the top in China.Due to historical reasons,its regional market share has been greatly reduced.But,as the banking competition intensifying,decrease automobile finance financing conditions,at the same time to handle permissions within the banking system manufacturers C network gradually focus to other branches,J branch to carry out the traditional model of three parties increasingly limited,can only rely on do not have the manufacturer agreement,lower financing conditions on both sides of the model to a breakthrough in the market,But the new model puts forward higher requirements for business operation and risk management.Therefore,how to optimize the risk management mode of auto finance to make it more suitable for the new changes of market environment and product model,so as to achieve effective risk management while expanding business scale has undoubtedly become an urgent problem for J Branch to solve.Based on the above background,this thesis explores the optimization of auto finance risk management of C Bank J Branch.First of all,on the basis of combing relevant literature research in recent years,this thesis introduces the business model and characteristics of auto finance,and analyzes the classification of auto finance business risks and the core content of risk management based on relevant basic theories.Secondly,it introduced the auto finance business,risk management mode and process of J Branch,and summarizes the key points of risk management faced by the bank in business development.Then,combined with the changes in the environment and the new requirements for risk management,through the review of relevant risk cases,the problems existing in the relevant links of risk management were found out,and then use the theoretical framework,the deep-level reasons were further analyzed.Finally,according to the essence of the problem,combined with the new ideas of the current digital transformation of the banking industry,using digital technology,an optimization scheme based on the whole-process risk management system of auto finance is proposed,and its feasibility and improvement effect are evaluated.Through research,this thesis finds that under the current model,the auto finance risk management of C Bank and J Branch relies on manual operation,with a high degree of subjectivity,and the identification and processing of risk information is not timely and comprehensive enough to adapt to the new changes in the market environment and business model.To solve the above problems,it is suggested to optimize the whole-process risk management system,strengthen the control of business operation goals and the dynamic acquisition and intelligent analysis of risk information processing,the existing risk management of the weak link in the powerful supplement,help solve J branch business development and risk control management pain points of phase equilibrium.At the same time,the optimization scheme can also be extended to similar banking branches and further extended to other supply chain financing businesses,hoping to provide reference for commercial banks to improve the risk management level of relevant businesses.