Study On Credit Risk Management For FAW-Volkswagen Brand Dealers In Bank Of China FAW Sub-Branch

The booming development of China’s automobile market has brought about the comprehensive development of supply chain finance.Bank of China started its business in auto industry supply chain finance later than joint-stock Banks such as Ping ’an and Citic,but in the process of business development,it has gradually grown from scratch by effectively utilizing the powerful resources of state-owned Banks and highlighting its global service capacity.Credit granting for automobile dealers is an important link in supply chain finance.Banks can seize the development opportunities provided by the chain finance,enhance the efficiency of risk management,expand market share and improve internal revenue,which will give them a head start in the financial market with increasing competitive pressure.Based on the analysis of the current situation of the credit granting business of faw Volkswagen brand automobile dealers in the bank of China FAW sub-branch,this paper finds out the problems of the current risk management policies according to the characteristics of faw Volkswagen brand automobile dealers,and puts forward the risk management scheme and implementation guarantee.The inadequacy of the original risk management plan is exactly the reason that restricts bank of China FAW sub-branch to do the credit business of faw Volkswagen brand auto dealers.This paper intends to update the original risk management model from the perspective of strategic management.This paper makes an in-depth discussion and analysis of the research subject by using literature analysis,comparative analysis and empirical research analysis,and puts forward three questions about the access standard,group management and rating model in the original plan.And from the brand,enterprise scale,financial status and other factors for faw Volkswagen brand auto dealers credit credit risk analysis of the original credit risk rating model for the retail industry customers updated,again to choose including rating index,from the macroscopic environment,managers,comprehensive quality,credit situation,profit ability,cooperation and development potential of six aspects,a total of 16 is as evaluation indexes.By using analytic hierarchy process(ahp)to determine the weight of indicators,a set of exclusive credit rating model suitable for faw Volkswagen brand automobile dealers was reconstructed,and a whole-process credit risk management plan including pre-loan investigation,in-loan examination and post-loan management was drawn up based on this model.At the end,summarizes the research on this topic.On the one hand,this risk control scheme improves the control efficiency of bank of China on the credit granting business of faw Volkswagen brand dealers,and provides an effective solution for banks to evaluate the credit risks of credit granting dealers.On the other hand,on the basis of ensuring the safety of assets,it improves the market competitiveness and provides strategic suggestions for the development of faw Volkswagen brand dealers’ credit business of bank of China FAW sub-branch.