Risk Management Study Of Personal Automobile Consumption Credit In PC Bank S Branch

At present,China's economy is in the process of structural adjustment and transformational upgrading.As one of the three driving forces for economic growth,the increasing consumption of residents for the proportion of economic contribution continues to rise.People's consumption consciousness,consumption level and consumption level have changed greatly.These data can be discerned from the record of high production and sales of automobile in our country.With the increase of residents' car purchasing consumption in our country,the personal automobile consumption credit business of commercial banks has achieved rapid growth.While commercial banks seize market share,the problems of automobile consumption credit risk often occur.How to deal with the relationship between the development of personal automobile credit business and risk management is an important problem for all commercial banks to seriously consider and study.Based on the problems found in the work practice,this paper studies the risk management of the individual automobile consumer credit business in the case bank.The main contents of the study include the following four parts:The first part is theoretical analysis.This paper defines the concept of personal automobile consumption credit from the angle of the connotation and characteristics of individual consumption credit,and expounds the characteristics of individual automobile consumption credit which is different from other consumer credit products.Drawing on therelevant theories and achievements of personal consumption credit,the paper supplements and improves the risk management theory and evaluation methods of individual automobile consumer credit.The second part,case study.Compared to other commercial bank,case bank has a lot of differences in the nature of the business and business characteristics: the process of personal auto consumption credit is short,fast growth,and the rate of overdue loans overdue highlights,adverse price scissors continued to increase.According to the main body of credit risk responsibility,this article divides individual automobile consumption credit risk into four kinds and analyzes them one by one.At the same time,this thesis analyses the risk management system of case banks,mainly put forward the credit risk problems.The third part is empirical analysis.This paper returns the problem to the credit rating index system of bank case,screening and constructing an evaluation system consisting of 15 kinds of variables,uses the logistic model to find the actual evaluation of the case bank personal automobile consumption credit risk assessment index effect.The final results show that customer categories better,vehicle use,risk management level of business personnel is higher,the ratio of the loan amount and the three years of the average total income is low and the possibility of repayment is the normal performance of the borrower.The fourth part,suggestions and measures.In the end,this paper designs an optimized route scheme for individual consumption credit risk management of case bank.According to the loan "three check" link design,each link in the evaluation indicators are in accordance with the importance of qualitative processing.At the same time,the paper gives suggestions for implementation of the program path: one is to pay attention to the influence of consumer groups and changes in the development of Internet technology,the second is to improve the verification mechanism of the credit risk of the borrower,third is the improvement of bank internal risk responsibility system,fourth is to strengthen the coordination and cooperation between the third parties,fifth is to strengthen risk assessment in the external environment,the sixth is the importance of comprehensive control of credit risk.