Risks Analysis & Management Of Commercial Banks' Car-Purchasing Loans

It's of an significance for commercial banks to develop business in car-purchasing loans , which can promote car industry and lift business quality of banking itself. Because commercial banks in our country know little the idea about modern risk management , grasp hardly the developed methods of risk management in international banking wholly and systematically , and lack experience with risk management of consumer loans , the risks of car-purchasing loans are becoming visible and hindering the business development. At present , international banking apply developed risk assessing and controlling system to manage risks , and cause bad debt ratio down extensively . The risk management in the western banking is developing to the dataization and modlization . It is necessary for our banking to learn from these above .The starting point of the thesis is oriented to nonsystematic risk management , i.e. , analyze the inherent risks of commercial banks with the car-purchasing loans , control and manage them by system- design and technology- design .The thesis concentrates on practical study, theoretical study combining with practical study ; qualitative analysis is principal , quantitative analysis combining with qualitative analysis ; and some illustrations are taken as subsidiary .