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Credit Risk Control Research on Auto Financing Corporations

Author: YuZhenHong
Tutor: WeiXiaoQin
School: Ocean University of China
Course: Business Administration
Keywords: Auto Finance Consumer Credit Credit risk
CLC: F832.4
Type: Master's thesis
Year: 2009
Downloads: 155
Quote: 0
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Abstract


China 's rapid economic growth , driven by the rapid growth of automobile consumption , automobile consumption credit for boosting the growth of automobile consumption , regulating car contradiction between supply and demand economic means , has become the main form of automobile consumption in Western countries . In China, the auto finance company as a new class of non-bank financial institutions , set up to now has been more than four years , the entire auto finance industry has been a great deal of development , has begun to take shape . However , the rapid development of auto finance companies , a variety of internal and external risks are gradually revealed . Especially in the auto finance business itself bears the credit risk due to poor credit environment of our society , related to inadequate laws and regulations and risk management tools lag has appeared , and seriously affected the healthy development of China 's auto finance industry . This paper first introduces the overview of the development of China 's auto finance business , on the basis of the analysis of concepts , models and development of the auto finance company , and China's first wholly foreign-owned auto finance company ---- V auto finance company credit business processes , for example , the automotive retail credit business may face risks were discussed . Clearly pointed out that the main source of credit risk , and credit risk, operational risk and macro lack of institutional mechanisms and laws and regulations as the focus of analysis and discussion . Through the analysis of the main causes of the credit risk of the auto finance company , for the reasons for the formation of risk , try to ask about risk prevention strategies and measures . First, the establishment of a complete and effective social credit system ; Second , and constantly improve the legal system for auto finance ; again , improve risk management capabilities of the auto finance company ; Finally, build a reasonable exposure mechanism .

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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