（毕业论文）我国商业银行个人汽车消费信贷风险防范（可编辑）

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1、（毕业论文）我国商业银行个人汽车消费信贷风险防范本文就我国商业银行个人汽车消费信贷业务中存在的风险进行分析和探讨。从消费信贷风险的理论研究成果出发，分析了我国商业银行个人汽车消费信贷风险形成的原因。本文建立了汽车消费信贷风险评估体系，包括贷前风险评估和贷后风险评估两个方面，分别从源头上控制风险和事后预警，减少商业银行的损失。并运用案例分析法，详细的阐述了风险评估体系在实际业务中的运用。本文最后针对汽车消费信贷风险提出了六点建议和对策：建立和完善个人信用制度体系，有效降低信用风险、增强操作风险监控意识、建立贷后风

2、险预警机制、进一步完善消费贷款的担保制度、健全、完善银行内部信贷管理机制、拓展风险转移渠道。上述建议希望对汽车消费信贷行业起到一定的借鉴作用。关键词：汽车消费信贷、风险、信息不对称、预警机制分类号：anditsinitiationinChinasince1995．Inourthank，competition舶miSlesscountry，there10％ofautomobilesalewhichtakestheformofconsumerpersonalloan．Thecreditriskhasbecometh

3、emainfactorthatstoodinthetheautomobileofloanwayconsumptionfromcommercialbankinChinaduetothelackofasetofriskmechanismpreventiononthethatthesocialcredithasit,andnotbeenestablishedproblemsystemcompletelyandtherelatedonautomobileloanisstillpoliciespersonalconsum

4、ptionimperfect．Inthistheandreasonsthesis，Ianalysistypestheoftherisksautomobileamongloanandfindthatalltheseareconsumptionrisksduetothefactsofriskimperfectoftherelatedofthecommercialbankslaws，andsystem,lackimperfectmanagementestablishtheown．Therefore，Iassessme

5、ntforautomobilecreditsystemconsumptiontheriskevaluationbeforeandafteraletocontrolrisk,includingloan，whichemployedriskandhavethefunctionofrisktoreducethepost-loanwarningrespectively，aiminglossofcommercialbanks．Thisthesisadetailedofthepresentsdescriptionimplic

6、ationofriskassessmentinrealbusinesscase6systemthroughstudy．Finally,Iproposedifferentkindsofandfortheautomobilesuggestionstrategiesloan,consumptionestablishmentandofthecredittoincludingperfectionpersonalsystemeffectivelyreducethecredittheconsciousnessofriskri

7、sks，strengtheningthemechanismforriskoftheforpost??loanwarning，perfectionguaranteesystemofconsumercommercialbankintemalloan,furtherimprovementthechannelsofriskoftransfer．Ithatalltheseaboveexpansionhopesuggestionsmay’thethesomeroleinofofautomobileloan．playdeve

8、lopmentindustryconsumption≥KEYWORDS：automobileconsumptioncredit，riskasymmetric，、mechanismCLASSNo：目录中文摘要…………………………………………………………………………．iiiABSTRACT………………………………………………………………………………………………．iv1引。言……………………