The Risk Control Research On Automobile Installment With Credit Card Of ABC

With the rapid growth of China’s economy, the rapid increase of private car ownership,China’s auto market gradually mature. At the same time,the central bank has repeatedly raised the deposit reserve ratio and interest rate,so that the size of the bank’s credit is strictly controlled by the bank since 2010. In such a macro background,credit card installment mode is more and more popular,which makes the payment service is a new area of competition in the credit card market.Credit card auto installment in its intermediate business income is high, convenient and high efficiency, etc., is the rapid promotion of domestic banks. At present, credit card, car installment has gradually become the mainstream automobile consumption credit model, but the rapid development of extensive also brought a series of risk, including business expansion rhythm and risk control efforts are not synchronized, risky assets is not effective clearance, the rate of default is restricted to the higher stage business further development and so on. In order to achieve long-term stable and sustainable development of credit card auto installment payment, the analysis and prevention of business risk is very important.This paper starts with the process of the auto installment payment, analyzes the risk characteristics and risk factors, and the core of the business management of the credit card auto installment business. Also to the Agricultural Bank in Wujiang a secondary branch as an example, select real business data, on the branch of the credit card automobile installment business asset quality structure, adverse balance of comparative analysis, and the process of loan before the loan approval, loan management and loan clearance at the link as the main line of the causes of the risk made a specific analysis. The purpose of this paper is to improve the existing risk control system from the micro level, and to sort out the standard operation method. This is a reference value for the development of the Agricultural Bank credit card payment service in the stage of rapid development. It can promote the business to further stable and healthy development.