汽车金融公司信贷业务风险控制与研究.docVIP

辽宁石油化工大学毕业论文 PAGE PAGE 35 汽车金融是市场风险分析与现状 摘要 我国经济飞速的增长，带动了汽车消费的迅速增长，汽车消费信贷，作为拉动汽车消费增长、调节汽车供求矛盾的重要经济手段，在西方国家已经成为汽车消费的主要形式。在我国，汽车金融公司作为新一类非银行金融机构，从设立到现在已经4年多的时间了，整个汽车金融行业得到了极大的发展，已经初具规模。然而，在汽车金融公司快速发展的同时，各种内部及外部的风险问题也逐步显现出来。尤其是汽车金融业务本身蕴藏的信贷风险也由于我国社会的信用环境不佳、相关法律法规不健全及风险管理手段滞后等原因而有所显现，并将严重影响了我国汽车金融业的健康发展。 本论文首先介绍了我国汽车金融业务的发展概况，在对汽车金融公司的概念、模式及发展状况进行分析的基础上，并以我国第一家外商独资汽车金融公司一一VOLKS WAGENWERK汽车金融公司的信贷业务流程为例，对汽车零售信贷业务可能面临的风险进行了探讨。明确指出信贷风险的主要来源，并将信用风险、操作风险和宏观上制度机制及法律法规的缺失作为分析讨论的重点。通过对汽车金融公司信贷风险产生的主要原因分析之后，针对风险形成的原因，尝试提出了风险防范的有关对策与措施。首先，建立完整有效的社会化信用制度；其次，不断完善汽车金融的法律法规体系：再次，提高汽金融公司风险管理能力；最后，构建合理的风险承担机制。 关键词：汽车金融：消费信贷：信贷风险 Abstract Credit Risk Control Research on Auto financing Corporations Abstract With the rapid economies growth of China，the automobile sales are up year by year．Pull automotive consumption growth, adjust the contradiction of supply and demand of important economic means, in the western countries have become the main form of automobile consumption．In China，it’S four years since auto financing corporations’ foundation as a sort of new financial organization．The automobile financial industry obtained great development, has begun to take shape. In the auto financing companys rapid development, however, at the same time, various internal and external risk problem also gradually revealed．But lots of inner and outer risk problems come out as the rapid growth of auto financing business． Especially risks hidden gradually come to the surface，owing to the nation wide immature credit system，unsound laws and regulations，lack of risk management experience．A11these factors will harm the further Auto financing business． The paper introduces the concept，mode land auto financing company of auto financing corporations and business，and explores the possible risks which the auto retail financing may face based on the process of credit business of VOLKS WAGENWERK Auto Financing Corporation．It points out the source of the credit risks definitely，and stresses unsound laws and regu