商業(yè)銀行汽車消費信貸的風(fēng)險與防范(畢業(yè)論文）
專業(yè)：金融學(xué)（此論文共9333字）
摘　要
隨著人們消費水平的提高，消費貸款也普遍被消費者所接受，汽車消費信貸在其中占很大比例。我國汽車消費貸款自1998年9月中國人民銀行出臺《汽車消費貸款管理辦法》起至今已有10年的歷史。經(jīng)過10年的發(fā)展，我國的汽車消費貸款市場起起伏伏，經(jīng)歷了繁榮和縮減過程，其中也暴露出不少的問題。作為商業(yè)銀行，肩負著進一步改進和提升汽車金融服務(wù)水平，加快推進汽車金融產(chǎn)品和服務(wù)方式創(chuàng)新，及時梳理、修訂和完善汽車消費貸款管理制度,加快發(fā)展汽車消費貸款,擴大汽車消費,為支持我國汽車產(chǎn)業(yè)發(fā)展和擴大內(nèi)需的重擔(dān)。但是,我國對國有商業(yè)銀行信用風(fēng)險、操作風(fēng)險、政策性風(fēng)險和市場風(fēng)險等方面沒有很多的認識。本文從這一薄弱環(huán)節(jié)入手,通過對汽車消費貸款的概念和發(fā)展現(xiàn)狀的分析，對國有商業(yè)銀行汽車消費貸款存在的風(fēng)險進行了分析探究，同時，為國有商業(yè)銀行汽車消費貸款的實踐提供了一些有益的建議。
關(guān)鍵詞：商業(yè)銀行；汽車消費信貸；風(fēng)險管理
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
目　錄
1 引　言 1
2汽車消費信貸的概述 2
2.1汽車消費信貸的內(nèi)涵 2
2.2汽車消費信貸的模式 2
2.2.1以銀行為主體的直客模式 2
2.2.2 以經(jīng)銷商為主體的間客模式 2
2.2.3以非銀行金融機構(gòu)為主體的間客模式 2
2.3商業(yè)銀行汽車消費信貸的特點 2
2.4商業(yè)銀行汽車貸款的業(yè)務(wù)流程 3
3商業(yè)銀行汽車消費信貸的發(fā)展?fàn)顩r 4
4商業(yè)銀行汽車消費信貸中存在的風(fēng)險 6
4.1信用風(fēng)險 6
4.2操作風(fēng)險 6
4.3政策性風(fēng)險和市場風(fēng)險 7
5商業(yè)銀行汽車信貸風(fēng)險的防范措施 8
5.1提高對汽車消費貸款的認識 8
5.2隨時關(guān)注汽車市場狀況，篩選優(yōu)質(zhì)客戶，細分汽車產(chǎn)品市場 8
5.3加強對信用風(fēng)險的控制 9
5.3.1實行個人信用基礎(chǔ)數(shù)據(jù)庫的共享 9
5.3.2盡快建立個人資信評估機構(gòu)和登記制度 9
5.4防范操作風(fēng)險 9
5.4.1加強對銀行內(nèi)部人員的管理教育 9
5.4.2加強對貸前的調(diào)查和貸后的管理 10
5.5密切關(guān)注國家汽車政策變化，嚴(yán)防政策性風(fēng)險 13
參考文獻 14
致 謝 15