A Research On The Risk Management Of Credit Card Automobile Installment For I Bank

In recent years,along with the advanced speed of consumption upgrading and Interest rate marketization,as a new business of the auto loan in the bank,the special credit card installment for automobile has been creeping.While the partner's car sales and the bank's intermediary business income increase,due to several banks' neglect of the risk management of credit card,the business has become highly risky,which makes it more arduous for banks to collect arrears and dispose of non-performing assets,and seriously hinders the development of the business.Based on the theory of risk management of the special installment,this paper analyzes the typical cases of the installment business in I bank,which analyzes the problems and causes of risk management of this business in I Bank from three aspects of pre-loan risk identification and assessment,risk control in loan and post loan management of risk monitoring,and puts forward the targeted optimization suggestions of risk management.The research shows that in the process of marketing the credit card business,the bank's employees do not strictly check the qualification and credit facility of customers,and make loans tocustomers suspected of fraud for illegal interests.In addition,the bank can not find the false information of customers in time after lending,and it takes a long time to call in arrears from the defaulting customers.The reason is that the business relies too much on the partners,the lack of personnel responsibility,the backward risk identification technology and other factors ultimately make the loan fraud cases occur frequently.Therefore,this paper uses Analytic Hierarchy Process(AHP)to optimize the credit card customer evaluation system,and puts forward optimization suggestions from personnel management,customer segmentation management,information communication,assessment mechanism and other aspects.This paper consists of six chapters: the first chapter is the abstract which introduces the background and purpose of the research and the domestic and foreign situation of correlative research.The second chapter summarizes the theory on the risk management of credit installment car business.The third chapter introduces the development of the business,the organizational framework and process of risk management,and introduces the typical cases of the credit card staged car purchase business,analyzes the problems of the business and the reasons for the disadvantageous risk resolution.Based on the deficiencies of risk identification and assessment risk control and the management of risk monitoring,the fourth chapter gives the optimization suggestions of therisk management of the credit card installment purchase business.The fifth chapter summarizes and prospects the whole paper.The study on the risk of the credit card installment of this bank not only provides guidance for the identification,evaluation and control of business risks,but also provides reference for other subbranches and similar departments in the same industry.