Research On The Problem Of Post-lending Management Of Wholesale With X Auto Financing Company

The automobile finance originated in the nineteen twenties of the United Statesof America, automakers saw the payment business brings enormous support for autosales as well as satisfactory profit space, car manufacturers to set up their owndepartment or agency dedicated to operate the installment of this part of derivativesbusiness, also is what we see today in auto finance business. With the development ofauto finance business development, there is not only profits, and risk. The automobilefinancial industry belongs to the operational risk industry, profits, on the balance ofrisk and return, therefore, the risk management is not only the core of financialinstitution management, and is one of the core management of auto finance company.For the credit business, management after loan customers is the last part of riskmanagement, its role in the credit period, involving a variety of management changesin customer process, has the characteristics of long history, change fast, need isparticularly concerned about.This will be the first study of X automobile financial company of corporatebanking services customer post-loan management, the experience and methods oforganization, in contrast to other auto finance companies risk management customerpost-loan management, combined with the X automobile financial company’s creditstatus and the main risk, combing the automobile financial company corporatebanking services customer post-loan management processes. Corporate bankingservices customer post-loan management in the process, mainly related to on-siteinspections, off-site inspection, supervision and inspection three aspects, includingon-site inspection is to start the business customer post-loan management, off-site inspection to evaluate the on-site inspection work content and work quality, andcheck for other sources of evaluation information, supervision and inspection toconduct supervision and evaluation of the on-site examination and off-site inspectionoverall work due diligence obligation.Secondly, analysis of X automobile financial company at present in the presenceof corporate banking services customer post-loan management problems, identifyconstraints of X automobile financial company factors on public business customerpost-loan management optimization. The current X automotive finance company, theproblems are "embedded" management mode greatly, the responsibility is not clear,corporate banking services customer post-loan management and lack of targeting,standard is not clear; the main restricting factors for organization structure is not clear,the lack of targeted management tools, personnel management, lack of pertinence,standard not clear enough.Finally, the X automobile financial company to further improve the measures forthe management of public services, such as: optimizing the customer post-loanmanagement, organization adjustment, reduce risks, strengthen the construction ofgroup customer post-loan management mode, set up data model, optimization, anddevelopment of information system.This paper hopes to suggestions for improvement measures on the managementof the public business customer post-loan X automobile financial company, the Xautomotive finance company, corporate banking services customer post-loanmanagement level has been further improved, work method has been furtherimproved, the asset security is further guaranteed.