Study Of The Auto Finance Company Regulatory Law

With　the　issuing　and　enforcing　of　"the　management　regulation　of　the　automobile　financial　company"　and　　"the　rule　for　implementation　of　the　management　regulation　for　the　automobile　financial　company"　in　our　country.　the　domestic　financial　company　of　automobile　have　been　set　up　and　run　successively　.But　because　of　just　starting　,They　shoulder　heavy　responsibilities　and　they　will　have　long　way　to　go　.so　how　to　control　the　risk　and　ensure　to　development　healthily　and　fast　have　become　the　urgent　important　problem　day　by　day.　　　　　No　doubt　,　the　risk　which　the　financial　company　of　automobile　faces　is　numerous　and　complicated,　and　the　question　that　its　controlling　involves　is　varied,　too.　But　the　problem　of　the　law　is　the　base　among　　them　.　I　select　several　main　legal　questions　of　controlling　the　risk　for　the　automobile　financial　company　as　the　subject　for　researching　in　my　graduation　thesis　.I　have　taken　the　methods　which　systemic　analysis　,　compare　and　conclude,　authentic　proof　to　research　.　On　the　basis　of　a　large　amount　of　company　which　is　in　five　sides　of　the　market　accessing,　internal　legal　person　controlling,　finance　contract　and　guarantee,　the　national　credit　information　system　and　financial　supervisory　system.　To　these　questions,　proceed　from　reality　of　our　country,　through　comparing　and　referring　the　successful　experiences　in　these　respects　of　various　countries,　I　have　put　forward　the　corresponding　countermeasures.　I　think　:　Carry　on　and　want　effective　supervision　to　the　financial　company　of　the　automobile　,　prevent　and　control　its　legal　risk,　should　strengthen　supervision　in　market　access　of　the　financial　company　of　the　automobile　at　first,　but　appropriate.　The　requirement　of　the　market　access　should　not　be　too　high,　otherwise　unfavorable　to　absorbing　the　capital　to　enter;　But　can't　be　too　low　either,　otherwise　strengthen　its　market　operation　risk.　Should　set　up　and　amplify　modern　enterprise　legal　person　control　organization　,　improve　inside　of　Company　control　the　mechanism　at　the　same　time.　　Secondly,　because　the　credit　line　of　automobile　consumption　is　main　business　lines　of　the　financial　company　of　automobile　of　our　country　at　present,　so　we　must　pay　special　attention　to　taking　precautions　against　the　risk　of　credit　,　especially　assure　the　risk　and　sincere　risk　of　credit.　In　assuring　the　risk,　I　think　I　should　fully　use　and　follow　the　regulation　in　such　relevant　laws　as　"　Assurance　Law　"　,etc.　strictly　in　the　credit　activity,　in　order　to　evade　the　legal　risk　in　the　credit　guarantee;　With　respect　to　sincere　risk　of　credit,　because　of　financial　services　industry　being　a　risky　trade,　its　develops　and　can　not　leave　the　good　social　credit　environment　healthily　fast.　And　the　social　credit　state　of　our　country　is　extremely　bad　at　present,　the　system　of　the　reference　has　not　been　set　up　yet,　not　only　the　greatest　problem　which　the　credit　bureau　faces　of　the　automobile　of　sincere　question,　has　but　also　already　become　the　greatest　obstacle　of　development　of　whole　financial　services　industry　of　our　country.　So,　I　think　except　the　financial　company　of　the　automobile　must　strengthen　risk　management　,　setting　up　and　amplify　outside　the　credit　customer's　system　of　verifying　of　credit,　the　national　reference　system　of　accelerating　setting　up　our　country　has　been　very　urgent　already,　and　the　basic　slip.　Third,　our　country　supervise　legal　system　and　system　have　a　great　deal　of　defects　in　finance　(automobile　financial　included　company　)　at　present,　if　the　laws　and　regulations　are　imperfect,　the　supervisory　system　is　not　improved　etc.　very　much.　Should　absorb　the　experience　of　using　the　western　developed　country　for　reference　,　revise　and　improve　the　existing　laws　and　regulations,　accelerate　the　formulation　of　the　new　laws　such　as　"　law　of　national　reference　"　etc.　at　the　same　time,　improve　the　laws　and　regulations,　perfect　the　regulatory　system.　　　　　Of　course,　the　problem　of　the　risk　control　is　comprehensive　,　we　must　carry　on　comprehensive　considering　and　solving　the　problems.　The　company's　own　question　is　a　internal　cause,　the　questions　out　of　the　company　such　as　social　environment,　legal　environment,　etc.　is　an　external　cause.　The　internal　cause　is　basic,　the　external　cause　is　a　condition.　It　is　the　best　way　of　solving　those　problems　to　integrate　organic　the　internal　and　external,　risk　controlling　measures.　　　　　The　full　text　is　made　up　of　five　chapters　altogether:　　In　Chapter　One　,　to　introduced　the　definition　,　development　course　,　main　legal　question　to　its　necessity　and　meaning　and　supervision　of　supervising　of　the　financial　company　of　the　automobile　mainly.　In　Chapter　Two,　to　analyze　the　deficiency　of　market　access,　the　qualification　and　registered　capital　which　exist　in　financial　company.　　and　probe　into　the　way　how　perfect　those　systems　in　the　financial　company.　In　Chapter　three,　to　study　the　credit　loan　risk　credit　loan　risk　and　controlling　measure　mainly　in　the　finance　contract　and　the　credit　guarantee.　　In　Chapter　Four,　to　study　the　financial　company　of　the　automobile　in　the　problem　and　countermeasure　of　the　risk　control　of　credit　emphatically,　analyze　from　three　respects　of　finance　contract　,　credit　guarantee　and　sincerity　of　credit.　In　the　last　chapter,　to　analyze　the　supervisory　problem　which　exist　in　the　financial　company　and　even　in　the　whole　financial　trade　have　offered　some　suggestion　to　perfect　supervised.