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1、汽车贷款的风险防范(Riskpreventionofautoloan)Autoloanriskprevention.Txtmydadsaidthemosttouchedmeonesentenee:"thechild,Studyhard,dadusedtoplaymahjongplaythe$10,nowforyoutostudy,toplaythe1block・"RiskpreventionofautoloanAbstract:therearestillmanyrisksandshortcomingsintheautomobileloansofcommercialban
2、ks,whichrequirebankstofindrisksandavoidrisksinatimelymanner,andpreventtheriskofautomobileloans・Keywords:carloan;riskpreventionFirst,thetypesofautomobilecreditrisk:(I)propertyriskIfthecreditisoverdue,themeasurestakenbythebankshallbethemandatoryrecallofthevehicle,whichwillbeownedbythebank・
3、Thisinevitablyraisestheriskofcarcredit・However,cluetonaturalfactors,humanfactorscausedbythecarbodydamageandlossofdirect,willmakethevalueofthecaritselfdown,evenifthebankconfiscatedthecarauctionwillalsobefacedwithcertainlosses・Furthermore,thecarmarketnewproductsemergeinanendlessstreamprodu
4、ctsupdaterapidly,oldcars,thepricedropisoftenlike,whentheconsumercreditcaroverdueloans,bankmortgagedepreciationafteritsvalueisdifficulttooffsetthedebt,causingcarcreditrisk・(two)liabilityriskAtpresent,banksintheautomobilecreditbynaturalpersonguaranteeandguaranteedealersintwowaystoreducethe
5、risk,thebankisthedealerguarantee,becausethecardealerisbythebankaftertheapprovalofloanstoprovideconsumerswithCarBuyingthirdpartyguaranteeservice,withauthenticityandstability・However,inpractice,iftheborrowerdefaults,accordingtothelaw''propertyprotectionisbetterthanpersonalprotection"provis
6、ions,mustbethebonrower'scollateraldisposaliscompleted,theremainingdebtbytheguarantor・Therealproblemisthatthedealerhasnofixedassetstobemortgaged,buttheamountoftheguaranteeisfargreaterthanitsownassets.Oncethedealer'sbusinesssituationisunstable,therepaymentisveryproblematic・Atthesametime,th
7、ereareindividualcardealersinordertoobtainagentfees,nomatterhowthecustomercredit,howmuchcarloans・What'smore,theestablishmentoffalsecompanies,usingfalsecarpurchasecontracttoobtainbankcreditfunds,resultinginenormousrisk.(three)personnelriskOntheonehand,carcreditconsumersappe
