Study On Shandong HW Auto Finance Company Credit Risk Control

Our country’s automobile financial company develops the opportunity to be huge, but also faces each kind of question, for example: The financing channel is unitary, the fund cost is high, not yet establishes the consummation the social credit system and so on, the various kind of factor influence, causes the automobile financial company when provide loan faced with the big risk.Currently, due to the auto finance company is not mature enough, the impact of the relevant information and data sources is limited and other factors, domestic scholars and financial institutions Risk Management of Commercial Banks based,risk management and research for the automotive finance companies significantly inadequate, resulting in lack of auto finance company credit risk management analysis. By studying the development of consumer credit HW Motor Company,reflecting the typical problem of automobile consumption credit market as a whole tend to come out, and then put forward their own ideas on the theoretical basis of others’ research on car companies for the HW credit risk control problem solving propose appropriate measures to further develop HW Motor company’s credit business, help has a very important practical significance.Research indicates HW auto finance company credit risk management and control issues reflected in the NPL ratio rising operational mode of potential risk,over-reliance on distributors, lack of staff awareness of risk and execution. The main reason is that the analysis mode of operation is not conducive to risk control, do not form a complete and effective post-loan management system, the lack of effective control dealers, staffing and development company does not match. This paper presents the development of standardized operational processes auto loan, car credit business to improve processing efficiency, improve HW auto finance companies operating mode optimized HW auto finance business operation process recommendations. By improving the approval system to ensure the quality of examination and approval, to establish a risk early warning system and other auto finance companies to further regulate the credit system HW recommendations.Proposes strengthening cooperation dealers Selection and classification management,strengthen risk management and other car dealers on proposals to strengthen the management of car dealers. Proposed use and allocation of human resources and training of qualified professionals, the establishment of talent incentive mechanism to strengthen HW auto finance company personnel management advice. Proposed decentralization and transfer risk, the secured mode of automobile consumption credit hardening recommendations HW auto finance company credit risk transfer. By improving the auto finance business systems, improve the regulatory system of the vehicle certificate, complete the perfect vehicle monitoring system, the development of automotive financial credit contracted video systems to improve HW auto finance company credit information system recommendations.