Research On The Credit Risk Management Of Auto Dealers Under "One Branch To Do Nationwide" Model In

From the last century to China into the 21 st century car into the automotive industry,From the automobile manufacturing enterprises,the promotion of consumer demand for the consumer,In the automotive industry chain on the automotive finance this sector of business innovation and model innovation demand is becoming increasingly strong.The inventory financing of automobile dealers is an important link to promote the sales of automobile vehicles.Domestic commercial banks are the main credit providers of automobile dealers' inventory financing.Commercial banks' integrated financial solutions are not fully reflected in the financing of automobile distribution,and the products are relatively single and the models are relatively fixed.In this case,with the domestic auto industry explosive growth,car dealers business blossom everywhere,mostly private enterprises,the prevalence of shortage of funds,turnover difficulties and other issues,and car manufacturers and forced Yahuo,car dealers Inventory financing is imminent and demand is large.On the other hand,with the increase of automobile finance participation,especially the development of automobile finance company,commercial banks seek new business innovation and matching risk control measures in automobile distribution inventory financing.This paper introduces the existing credit risk rating model of X Bank and its internal reference factors and logical ideas.On the basis of the X Bank in the automobile distribution inventory financing business carried out a new model-"a branch to do the country." In this model,this article on how to carry out the bank bank dealer inventory financing,its business structure and business to introduce the situation.This paper expounds the risk cases of the inventory financing business of the automobile dealers based on the existing risk rating system.The above cases reveal the risk of the credit dealers' credit business in the " This paper summarizes the above-mentioned credit risk,summarizes the main risks faced by commercial banks in carrying out the dealer financing business,and the corresponding risk control measures.For the commercial banks in the "one branch to do the country" mode car dealers inventory financing requirements and the duration of management and other aspects of the proposed management program.The risk summary of the automobile distribution inventory financing and the credit management plan of the above-mentioned commercial banks have a certain reference significance for the domestic commercial banks to carry out such business.At the same time,this paper also puts forward the existence of the risk management of commercial banks in the above mode Of the inadequacies.