金融学毕业论文-商业银行汽车消费信贷的风险与防范

金融学毕业论文-商业银行汽车消费信贷的风险与防范本科生毕业论文

商业银行汽车消费信贷的风险与防范

姓名

学号

专业金融学

指导教师

2011年5月15日

摘要

随着人们消费水平的提高，消费贷款也普遍被消费者所接受，汽车消费信贷在其中占很大比例。我国汽车消费贷款自1998年9月中国人民银行出台《汽车消费贷款管理办法》起至今已有10年的历史。经过10年的发展，我国的汽车消费贷款市场起起伏伏，经历了繁荣和缩减过程，其中也暴露出不少的问题。作为商业银行，肩负着进一步改进和提升汽车金融服务水平，加快推进汽车金融产品和服务方式创新，及时梳理、修订和完善汽车消费贷款管理制度,加快发展汽车消费贷款,扩大汽车消费,为支持我国汽车产业发展和扩大内需的重担。但是,我国对国有商业银行信用风险、操作风险、政策性风险和市场风险等方面没有很多的认识。本文从这一薄弱环节入手,通过对汽车消费贷款的概念和发展现状的分析，对国有商业银行汽车消费贷款存在的风险进行了分析探究，同时，为国有商业银行汽车消费贷款的实践提供了一些有益的建议。

关键词:商业银行;汽车消费信贷;风险管理

I

Abstract

As people raising the level of consumption, consumption loans are generally accepted by consumers，automobile consumption credit accounting for a large proportion in it。China auto

loan since September 1998 the people's bank of China issued the "measures for the administration of auto loans has been have 10 years of history. After 10 years of development, China's auto loan market ups and downs, experienced prosperity and reduction process, and also exposed many problems. As commercial Banks and shoulder further improve automobile financial service level, accelerating automobile financial products and service mode innovation, timely review and revise and improve the auto loan management system, accelerate the development of auto loan, expand the automobile consumption for support, China's automotive industry development and the burden of expanding domestic demand. However, China's state-owned commercial bank of credit risk and operational risk, policy risk and market risk, etc doesn’t have a lot of knowledge. This article from the weak link of auto loans, through to the concept of the analysis of the present situation and development of state-owned commercial Banks auto loan risks are analyzed, meanwhile, explore for state-owned commercial Banks auto loan practice provides some useful suggestion.

Key Words: commercial bank;automobile consumption credit;risk management

II

目录

1 引

言 .............................................................. 1 2汽

车消费信贷的概述 (2)

2.1汽车消费信贷的内涵 (2)

2.2汽车消费信贷的模式 (2)

2.2.1以银行为主体的直客模式 .......................................

2

2.2.2 以经销商为主体的间客模式 .....................................

2

2.2.3以非银行金融机构为主体的间客模式 .............................

2

2.3商业银行汽车消费信贷的特点 .......................................

2 2.4商业银行汽车贷款的业务流程 .......................................

3 3商业银行汽车消费信贷的发展状

况 ....................................... 4 4商业银行汽车消费信贷中存

在的风险 (6)

4.1信用风险 .........................................................

6 4.2操作风险 .........................................................

6 4.3政策性风险和市场风险 .............................................

7 5商业银行汽车信贷风险的防范措

施 ....................................... 8 5.1提高对汽车消费贷款的认

识 ......................................... 8 5.2随时关注汽车市场状

况，筛选优质客户，细分汽车产品市场 (8)