Credit Risk Management Research For New Energy Vehicle Industry Of Suzhou A Bank

After years of development,the technical level of China's new energy industry has continuously improved,and the industrial chain has displayed a more beneficial role.However,in the process of the advancement of the new energy automobile industry,many problems are exposed,such as the insufficient supply of core technologies,imperfect quality assurance systems,and imperfect industrial ecology,etc.In recent years,the banking industry has been undergoing a business transformation.Credit resources have gradually shifted to strategic emerging and high-tech industries such as new energy vehicles,resulting in higher requirements for bank credit risk management in the new energy vehicle industry.This paper takes the credit risk management of new energy automobile industry customers of the Bank of Suzhou as the research object.It analyzes the current situation of credit risk management of new energy automobile industry of the Bank of Suzhou based on the development of new energy automobile industry,and finds out the existing problems in credit risk management of new energy automobile industry customers of the Bank of Suzhou based on the actual typical risk case study.Moreover,this paper studied the following issues by giving the reasons for the causation of the issues both externally and internally.The issues include the lagging credit policy in the industry,the incomplete pre-loan investigation,the examination and approval in the loan being more than substantive,the weak guarantee mode for credit customers in the new energy automobile industry,the imperfect risk early warning mechanism,and the adjustment of the new energy automobile credit customer structure.Based on the above problems and causes,this paper puts forward relevant suggestions for the promotions on credit risk management of Suzhou A Bank's new energy automobile industry from three aspects:before,during,and after the loan.The first is to improve the credit customer access requirements according to the characteristics and changes of the new energy automobile industry;apply to the head office for the authority of dynamic management of industry credit policies;strengthen the analysis and research on the new energy automobile industry and optimize the assessment system.The second is to strictly examine and approve the credit business of the new energy automobile industry;adjust the delegation according to the new energy automobile industry credit business quality.Finally,adopt different credit-granting strategies for various customers in the new energy automobile industry chain;timely adjust the credit customer structure according to the varied development characteristics of the upstream and downstream of the new energy automobile industry chain;linkage with external information of the new energy automobile industry to improve credit risk identification and early warning mechanisms.It is hoped that the study results could provide references for Suzhou A Bank to optimize industrial credit risk management,better expand credit customers in the new energy automobile industry,and promote business transformation.