【作者】 王晓峰；

【导师】 俞雪华；

【作者基本信息】 苏州大学 ， 金融学， 2007， 硕士

【摘要】 近年来,随着我国经济的持续稳定发展,以及消费升级时代的来临,汽车业已经进入一个普及化的快速增长阶段。而我国商业银行作为汽车产业重要的金融支持者,自开办个人汽车消费信贷业务以来却经历了起步、发展、降温、复苏的曲折历程。由于目前我国商业银行自身还缺乏一整套科学有效的风险防范机制,加上我国社会信用体系尚未完全建立,与个人汽车消费信贷相关的法律法规还不健全等,风险问题已逐渐成为商业银行个人汽车消费信贷的瓶颈,该项业务的发展受到严重阻碍。本文从借款者个人、商业银行自身、业务合作伙伴、社会经济环境四个方面入手,就商业银行个人汽车消费信贷的风险来源进行了较为全面的分析,提出商业银行应该加强对风险的分析与识别,并采取相应措施,进行有效控制。要从内部出发,尽快开发商业银行个人汽车消费信贷通用型贷前个人信用评级系统,建立贷后风险预警机制,拓展风险转移渠道,强化风险操作管理措施。同时,政府要倡导健全个人信用体系,完善个人汽车消费信贷的相关法律、法规,推进金融市场创新,以规范外部社会经济环境。两者结合,共同构建商业银行个人汽车消费信贷风险防范体系,促进我国个人汽车消费信贷业务的高速、稳定发展。更多还原

【Abstract】 Recently, with the steady growth of the national economy and the arrival of an upgraded consumption era, the auto industry has stepped into a period of rapid development for popularization. Commercial banks, crucial financial supporters of the auto industry, have witnessed a zigzagging process of start, development, cooling down and resuscitation since the introduction of credit business for private auto consumption. Risks arising from the lack of a set of scientific and efficient risk prevention mechanism, the incomplete establishment of the national credit system and the morbidity of the relevant legal regulations have gradually become the bottleneck for notational commercial banks’ credit for private auto consumption.On the basis of a full analysis of the causes of private auto consumption credit risks from the consumer, the commercial bank, business partners, and social economic environment, this thesis proposes that commercial banks should strengthen their efforts in analyzing and identifying risks, and take corresponding measures to keep them within control. Commercial banks should develop within themselves a general pre-loan credit grading system for private auto consumption, and set up an after-loan risk preventive mechanism, so as to increase risk transference channels and strengthen management of risky business operation. Meanwhile, the government should advocate creating a complete personal credit grading system, improve the relevant laws and regulations, and reinforce the innovation of the financial market, so as to regulate the social economic environment. With theses two sides working together, a private auto consumption risk preventive system can be successfully established and a rapid and steady development in private auto credit business can be achieved.更多还原