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1、汽车消费贷款论文消费者行为分析论文（Consumerbehavioranalysisofautomobileconsumptionloanpapers）InOctober2010..Twenty-sixthrolls...Fifthissues....ConsumptioneconomyCONSUMER..ECONOMICS..Oct.2010Vo1.26..No.5Receiveddate:2010..08..10Author:TangJing.(1989-),female,HunanChangsha,CentralUniversityofFinanceandEconom
2、icsInstituteoffinancestudents.ResearchonriskmanagementofautomobileconsumptionloaninChinaTangJing...(Schooloffinance,CentralUniversityofFinanceandEconomics,Beijing100000)Automobileconsumptionloansareimportantforstimulatingconsumption,expandingdomesticdemandandpromotingnationaleconomicgrowth
3、.But,asthecarconsumerloanbusinessContinuousdevelopment,anditspotentialrisksaregraduallyemerging.Onlybystrengtheningtheriskmanagementofautomobileconsumptionloans,canwepromotethesustained,stableandhealthydevelopmentoftheautomobileconsumptionloanbusinessExhibition.Therefore,thispaperanalyzest
4、hecreditrisks,managementrisksandenvironmentalrisksofautomobileconsumptionloans,andputsforwardthemainriskformsandtheircausesCountermeasuresandsuggestionsonpreventingandreducingtherisksofautomobileconsumptionloans.Keywords:automobileconsumptionloan;commercialbank;riskmanagementCLCnumber:F061
5、..2.....documentidentificationcode:A....Articlenumber:1007-5682(2010)05-0045-04AutoconsumptionloanasanewpersonalconsumptionloanindustryinChinaIthasdevelopedrapidlyinrecentyears.But,asthecarWiththecontinuousdevelopmentofconsumerloanbusiness,itspotentialrisksaregraduallyemerging.Therefore,th
6、eanalysisofthereasonsfortheformationoftheriskofautomobileconsumptionloansistargetedWeshouldtakemeasurestopreventanddefusethemandfurtherstrengthenautoconsumptionloansRiskmanagement,forthepromotionofautoconsumptionloanbusinesscontinuityandstabilityItisofgreattheoreticalandpracticalsignifican
7、cetomakeasoundandhealthydevelopment.First,theriseofautomobileconsumptionloansinChinaanditspositiverole(1)theriseofautomobileconsumptionloansinChina;Theso-calledautoconsumptionloans,referstotheborrower(carbuyers)tooffsetPledge,pledge,insurancecompanyorthirdpart
