Research On The Risks Of Retail Loans Of China’s Automobile Finance Companies And Suggestions

Automobile finance is a series of financial services around the automobile production and sales links.It is the link and core between automobile manufacturers,dealers and consumers.With the development of automobile industry,automobile finance plays an important role.The main content of this paper is to analyze the main risks and the causes of the risks faced by the retail loans of auto finance companies in China.In view of these risks,this paper puts forward some solutions for the government regulators and the management of auto finance companies to solve the risks of auto finance consumer credit.This paper has a strong reference price for promoting the effective elimination of the risks of auto finance consumer credit.Value.The full text is divided into five parts: the first chapter is the introduction,which explains the significance of this study,and studies and summarizes the literature at home and abroad and the viewpoints of experts and scholars on automobile financial consumer credit risk,opens the research methods and puts forward the innovative points of this paper;the second chapter mainly explains the relevant concepts of automobile finance and risk in China,Congqi Starting from the development history,value chain and the role of services of automobile consumer finance,the consumer credit risk of automobile finance and its related theories are expressed clearly step by step.Even the readers who have a first knowledge of automobile financial industry will have a clear understanding of the general situation of automobile financial industry and the outline of the risks they are facing.Chapter three mainly analyses the common risks faced by automobile finance companies,and analyses the external and internal environments.Finally,it classifies the two major risk sources,clarifies the three types of risks,namely,operational risk,credit risk and legal risk,and makes a reasonable analysis of the causes of the risks.Chapter four takes H automobile finance company as an example,deeply analyses the company’s risks.Business status quo,and find out the individual risk from its business status quo,deeply excavate its risk reasons and the third chapter of the general risk content to verify and check each other,excavate the capital risk is also one of the main risks faced by automobile financial companies,and point out that in the current situation of lack of financing channels,short-term debt and long-term investment will be the outbreak point of future risk of automobile financial companies;In view of the above risk analysis and foreign experience analysis,this paper puts forward targeted recommendations which can be landed and implemented from the government level and the automobile finance company level,and summarizes the reasonable risk response measures.