我国商业银行汽车贷款研究—以中国建设银行为例.doc

毕 业 设 计（论 文） 我国商业银行汽车贷款研究—以中国建设银行为例 系　　　　　　别： 人文与管理学院 专业名称： 财务管理 学生姓名： 王千跃 学　　　　　　号： 0904060255 指导教师姓名、职称： 武晓明 完成日期 2013 年 3 月 24 日  我国商业银行汽车贷款研究—以中国建设银行为例 摘 要 随着我国经济的快速增长，居民收入水平的不断提高，我国汽车消费市场已成为世界上增长最快的市场。虽然我国汽车消费信贷发展速度最快，但是制约我国汽车消费信贷发展因素众多。对此众多制约因素，本论文就我国商业银行汽车消费信贷中存在的问题及影响其发展的原因进行探讨。第一、通过分析我国个人汽车消费信贷发展的现状及存在的问题，发现影响其发展的因素及我国个人汽车消费信贷中存在的风险，根据我国实际情况提出一些相关对策建议。第二、针对当前我国商业银行汽车消费存在的诸多问题，针对信用风险、操作风险和市场风险、合作机构风险，根据我国实际情况提出了相应的防范措施和进一步发展我国汽车消费信贷新思路。希望能促进我国商业银行汽车消费贷款的健康发展作出一些有益的探讨。 关键词：商业银行 汽车消费信贷 风险管理 防范措施研究 论文类型：应用研究型 Chinas commercial car loan research - to China construction bank as an example Abstract With Chinas rapid economic growth, the income level of resident rise ceaselessly, Chinas auto market has become the worlds fastest growing market. Although our countrys automobile consumer credit fastest developing speed, but to restrict Chinas auto consumption credit development by many factors. This many restricting factors, this paper is our country commercial bank in the car consumption credit problems and influence the development of the cause is discussed. First, through the analysis of Chinas personal auto consumption credit development present situation and the existing problems, find the factors and influence the development of personal car consumption credit in our country the risk in the according to the actual situation in our country, and puts forward some relevant countermeasures. Second, in view of the current our country commercial bank car consumption, there are many problems in credit risk, operation risk and market risk, the risk of a cooperative organization, according to the actual situation in our country puts forward corresponding preventive measures and the further development of Chinas automobile consumption credit new ideas. Hope can promote our country commercial bank auto loan health development to make some beneficial discussion. Key words：commercial bank automobile consumption credit risk