Chinese Motor Vehicle Financing Company Personal Auto Credit Risk Prevention Research

During the past30years, Chinese Auto Industry is growing rapidly, especially in therecent10years from2001to2011. Accompany with such rapid development, the MotorVehicle Financing business also have big potential. In the past several years, the MotorVehicles Financing Companies established in Chinese market achieved outstandingbusiness results, but at the same time, they are also facing challenges. One seriouschallenge is the operation risk management and control. How to control the risk facingthe Motor Vehicle Financing is the key point of our country developing Motor VehicleFinancing in the current stage.Motor Financing Company, as the major player of the Motor Financing market, isalso the key chain forming the credit risk, if Motor Financing Company can control allthe risks, then the risk for the entire Motor Financing market will also under control.So this article is discussing, from the Motor Financing Company side, the differencebetween Motor Financing and Motor credit, the difference between Motor FinancingInstitution and Motor Financing Company, analyze the advantage of Motor FinancingCompany, to confirm the Motor Financing Company to be the major player in the MotorFinancing market, introducing the history of Chinese Motor Financing Companydevelopment, analyze the personal credit risk of Chinese Motor Financing Company andreason, introducing the experience of American Motor Financing Company risk control,and propose the solution accordingly.