建行个人汽车消费贷款风险管理

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1、11．5billion，18．39billion，15．94billion，11．07billion，whichreachedthehighestrateattheendof2003，anditalsoseemedtoshrink．Adataquatoedbymanymediumshowedthenon—performingofthedomesticcarconsumingloantallupto9．45billionandthenon—performingrateofitclosedto50％attheendof2

2、003．Maybethenumberwasexaggerated，however，itWasnotdeniedthatthebreachofcontactrateandbaddebtrateofthecarsloanwereindeedhigh．InthefaceoftheSOhighnon—performingrateandquota，howwouldtheybedigested，managedandhowwouldtheloantransationofthecarbedevelopedinthefuturewhi

3、chareneededtobereseachedcarefullyanddeeply?Thisarticleintendstoanalysefromthedevelopingprospect，displayingforms，systemmanagement，operationspecifications，authorization，creditandoperatingriskofthecarsconsumingloanSOastofindthebasiccauseofthenon-performingcarsloan

4、andtocollectrelativematerialstogetstatisticsandthentorevealthehighnon—performingquotaandratearenottheessentialfeatureofthecarsloan．Meanwhile，thepurposeofthethesisistousethemanagementexperienceinthecarsloanoftheadvancedbanksandcarsfinancialcompanyinforeigncountr

5、iesasasouceofreferenceandcombineSUCCESSfulandfailedexperienceofinternalbankstofindasetofprecautionofoperationriskandfeasiblemanagementmethodsSOastoreducethenon—performingriskinthedevelopmentofcarsloaninthefuture．Itisbelievedthatthestadarddevelopmentofthecarsloa

6、llisnotonlybeneficialtothebankbutalsotocustomersanditcanmakeawin．winsituationbetweenthebankandcustomers．ThearticleliststherulesandregulationsofthepersonalcarsconsumingloanofCCBindetailsandanalysestheexternalandinternalcauseofhowthepersonalcarsconsumingloanofCCB

7、areinvolvedinthedifficultyaccordingtotherulesandregulations．Inwhichthe2externalcausemainlyanalysesthecauseoftheinsurancecompanyrefusinginsuranceorreducingthedeadlineofinsurance，thedifferentlevelsofcardealersandcustomersandthebadcompetitioncircumstanceofthesameb

8、usinessanddeficiencyofpersonalcreditsystemandSOon；theinternalcausemainlyanalysesthedeficiencyofmanninglevel，nonstandardizedtechniqueofproductsandsimpledimportantrisklink，lac