SW Bank Research On Credit Management Of New Energy Automobile Industry

In recent years,new energy automobile have been regarded as one of the most promising alternatives for the development of sustainable transportation,and they have attracted many scholars at home and abroad to conduct research on them.However,the difficulty of financing has always been the most direct and practical problem faced by my country’s new energy automobile companies and other emerging industries.As one of the capital and technology-intensive industries,how the banking industry can solve the financing difficulties of new energy automobile companies while ensuring credit security has become a major issue that needs to be resolved urgently.At present,SW Bank has certain shortcomings in the credit management of new energy automobile companies.For example,it is more inclined to the traditional leading auto companies in the industry,and it is cautious about the so-called "new car-making forces",and approval preference is relatively conservative,has not strengthened the excavation and marketing of downstream enterprises.The research of this article is dedicated to further improving SW bank’s credit management of the new energy automobile industry,providing commercial banks with a relatively complete credit management strategy,and better providing financial support for the development of the new energy automobile industry.There are two reasons for choosing SW Bank as the research object.First,SW Bank has a comprehensive credit share of 9.16%,ranking second among all financial institutions,and the research on SW Bank is representative of the industry;second,it is in terms of data acquisition.As an insider,the author can obtain internal data of SW Bank,and can obtain data that has not been disclosed in the market.This article uses SW Bank’s business data as the main body of analysis,through literature research,quantitative analysis and qualitative analysis,and case analysis methods,using information asymmetry theory,risk management theory,commercial bank risk theory,and customer segmentation theory.,Combined with risk analysis,industry analysis and other means,carried out a multi-dimensional analysis of the current situation of the new energy automobile industry,market conditions,industry forecasts,credit status,etc.,reflecting that SW Bank’s credit preference is more inclined to traditional leading auto companies in the industry.There are problems such as the difference in the quality of approving personnel,taking state-owned enterprises lightly,and weakening guarantee conditions.Based on the comparison of the credit status of different industries in the bank,the investment situation of investment institutions in the new energy automobile industry is analyzed,and the SW Bank’s investment in the new energy vehicle industry The risk situation of the credit development of the energy automobile industry puts forward suggestions on pre-loan,in-loan,post-loan and industry risk optimization.The overall principle is to follow the policy and select the best support.Focusing on the core technology of new energy vehicles,we will focus on supporting a group of new energy vehicle companies that comply with national industrial policies,have strong comprehensive strength,and have core technologies.For new energy companies that are not mature in technology research and development and are difficult to achieve large-scale production in the near future,The credit policy should be cautiously intervened in order to achieve a win-win situation between banks and enterprises.