Research On Risk Management Of Automobile Mortgage Loan Project In Minsheng Bank Of Chengdu Branch

With the opening of the world financial market,foreign big banks,auto finance companies have also entered our country to seize the market,the major commercial banks between each other and with foreign banks in the car mortgage loans between the fierce competition in the fierce competition How to play a competitive advantage,how to carry out risk analysis,risk assessment,risk prevention,how to deal with the fierce competition of automobile finance companies,major commercial banks and foreign financial companies,how to deal with the market,how to consolidate the market position,how to play a competitive advantage,how to carry out risk analysis,risk assessment,risk prevention,To achieve sustainable development,has become a need to seriously study the important issue.By combining the actual situation of automobile mortgage loan project of Minsheng Bank Chengdu Branch,the pre-loan risk assessment system and loan post-evaluation system of Minsheng Bank Chengdu Branch will be designed to improve the risk prevention measures of Minsheng Bank Chengdu Branch.This study is divided into six parts.The first part is the introduction,mainly elaborates the background and the research significance,the research present situation at home and abroad,the research thought,the method and the structure the second part mainly elaborates the related theory and the method.Elaborated the theory of consumption economy,commercial bank credit theory,and the mortgage loan project risk management and project risk management theory were reviewed and sorted out.The third part is mainly about Minsheng Bank Chengdu Branch car mortgage loan project.At the same time,it elaborates the current situation of automobile mortgage loan project of Minsheng Bank Chengdu Branch from the aspects of project management organization structure and responsibility,as well as project structure decomposition and risk management.The fourth part is mainly Minsheng Bank Chengdu Branch car mortgage loan project risk identification.The purpose,steps and methods of project risk identification are expounded,and the causes of project risk are systematically analyzed.The fifth part is the risk assessment of Minsheng Bank Chengdu Branch car mortgage loan project.It is divided into three stages: loan,loan and loan,and the empirical analysis is carried out through the actual case.The sixth part is Minsheng Bank Chengdu Branch car mortgage loan project risk prevention.Mainly from the perfect credit system,enhance the awareness of risk monitoring;expand the risk transfer channel seven aspects of a systematic analysis.This paper studies the risk analysis,risk assessment and risk prevention of Minsheng Bank Chengdu Branch in order to realize the sustainable development of Minsheng Bank Chengdu Branch Auto Mortgage Loan Project.Therefore,the research of this paper has a certain theoretical significance,but also has strong practical significance,help to guide the Minsheng Bank Chengdu Branch of the car mortgage loan business development.