Study On The Risks And Countermeasures Of The Credit Market Of X Bank Sub - Branch Of Construction Bank

With the rapid development of China’s automobile industry, and the consumption concept also in keeping pace with the times changed, domestic financial institutions focus on studied conforms to the automobile credit market development trend, dig automobile consumption credit market potential and build on the theoretical foundation of consumer installment car business by credit card began a vigorous development. The "CCB Car Buying" stage is Construction Bank of China credit card installment Car Buying brand.In 2015 years,according to credit card installment purchase data analysis of subbranch of Construction Bank of China in X city,found that it has bad assets,to expand the scale of focus on asset classes to non-performing assets conversion increase, non-performing rate of growth was inverted U-shaped and non-performing rate higher than that of branch of bad rate risk.The source of adverse risk has six aspects, include customers have credit risk, bank management personnel qualification examination is not rigorous,risk control implementation is not in place,partners risk is difficult to control, personal credit assessment system is not perfect and the risk of external environment influence. During the analysis, customers overdue feature analysis to explain is how to influence the overdue behavior.Strengthing customer qualification examination of professional and rigorous, perfect credit system of People’s Bank of China., strengthen on the dealer’s guidance and supervision, expansion of the channels of risk transfer, strengthen post loan tracking analysis, improve the legal and institutional constraints etc. Those are solved and control the credit card points car business risk’s important measures.In the future X city car consumption market is still huge room for development, focus on risk the control and the continuous update of risk control measures, will enable X City branch of China Construction Bank credit card installment purchase business achieved great development, plays a great role in promoting the local automobile consumption.