Research On The Risk Control System Of Auto Finance Company

In recent years, the rapid development of social economy, the auto finance industry. Auto finance means that consumers can choose to apply for preferential payment when they need to purchase a car. According to individual needs and characteristics, consumers can choose different models and different payment methods. Compared to the bank, auto finance is a new car buying option. The significance lies in the automobile finance led to the development of the automobile industry, the organic combination of important sectors of the national economy and the economic focus of automobile financial industry, bring high profit for the automobile industry and automobile service providers. But there is a certain risk of car finance; it is considered a high-risk, high-yield financial services industry. China's social credit environment is relatively poor, the relevant legal system is not perfect, financial products is not perfect, there are some security risks in terms of risk management, risk management, risk supervision and so on, these factors increase the risk of financial industry.G auto finance company is a representative of the automobile finance company. After recent years of development and integration, G Company formed a modern financial enterprise framework, function, system. The financial industry is the core industry of G Company, in an expanding market development, business management, risk aversion, financial product development, IT financial business has achieved certain development, industry and finance can be a very good combination. G Company since 2008 to carry out the automobile consumer credit loan, the cumulative sales volume has more than 20 thousand units; the cumulative loan has been up to billions of dollars, involving a variety of commonly used models.With the rapid development of automobile financial industry at the same time, along with the financial project to carry out a variety of financial problems continue to increase, mainly for the credit standard is not easy to control, peer competition, the concept of financial difference and mechanism construction is not perfect, the internal management is not perfect, can not establish rigorous and scientific aspects of the fine financial management control system etc.. In addition, the employees' risk awareness is poor, the management system is not perfect, the information technology level is backward and many other factors restrict the rapid development of the auto finance industry.In this paper, the G automobile financial company's financial development as an example, analysis and in-depth understanding of the various kinds of financial risks in China's financial credit industry, combined with the advice from the source of risk prevention measures, from the perfect credit system, strengthen internal management, improve the system of supervision of supervision, to explore China's auto finance risk the monitoring system, and put forward reasonable suggestions for the development of auto finance industry.