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Abstract
To study the risks of auto financing companies, it is necessary to have an accurate
understanding of them: auto financing companies are non-bank institutions established under
the approval of the China banking regulatory commission to provide financial services for car
buyers and sellers in China. The main business model of auto finance company is to expand
its scale by cooperating with various Banks and auto sales companies and to provide credit
services to auto consumers who need financial services. Among the risks faced by auto
financing companies, credit risk is the most critical. This paper takes credit risk as the main
research object, takes consumption and credit risk theory as the starting point, and introduces
the development of auto financing companies and the problems existing in financial credit
risk. Then by the credit business process and characteristics, combined with the internal and
external sources of credit risk, put forward countermeasures for the credit risk management of
auto financing companies.
Key words: Auto finance company ，Credit risk ，Enterprise risk management
目 录
1.绪论 1
1.1 研究背景及选题意义1
1.2 文献综述 1
1.2.1 国外相关理论 1
1.2.2 国内相关理论 2
1.3 论文主要研究内容及结构安排2
1.3.1 主要研究内容 2
1.3.2 本文结构安排 2
2．研究相关理论基础 3
2.1 汽车金融消费信贷理论3
2.1.1 相对收入假说理论3
2.1.2 持久收入假说理论3
2.1.3 生命周期假说理论3
2.2 汽车金融公司信贷风险相关理论基础3
2.2.1 汽车金融公司信贷风险的定义3
2.2.2 汽车金融公司信贷风险的类型4
3. 我国汽车金融发展现状及存在的信贷风险5
3.1 我国汽车金融发展现状5
3.1.1 汽车金融服务主体不断增加5
3.1.2 信贷规
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