1、 本科生毕业论文 商业银行汽车消费信贷的风险与防范 2011 年 5 月 15 日 I 摘 要 随着人们消费水平的提高，消费贷款也普遍被消费者所接受，汽车消费信贷在其中 占很大比例。我国汽车消费贷款自 1998 年 9 月中国人民银行出台汽车消费贷款管理 办法起至今已有 10 年的历史。经过 10 年的发展，我国的汽车消费贷款市场起起伏 伏，经历了繁荣和缩减过程，其中也暴露出不少的问题。作为商业银行，肩负着进一步 改进和提升汽车金融服务水平，加快推进汽车金融产品和服务方式创新，及时梳理、修 订和完善汽车消费贷款管理制度,加快发展汽车消费贷款,扩大汽车消费,为支持我国汽 车产业发展和扩大内需的重
2、担。但是,我国对国有商业银行信用风险、操作风险、政策 性风险和市场风险等方面没有很多的认识。本文从这一薄弱环节入手,通过对汽车消费 贷款的概念和发展现状的分析，对国有商业银行汽车消费贷款存在的风险进行了分析探 究，同时，为国有商业银行汽车消费贷款的实践提供了一些有益的建议。 关键词：商业银行；汽车消费信贷；风险管理 II Abstract As people raising the level of consumption, consumption loans are generally accepted by consumers，automobile consumption credit a
3、ccounting for a large proportion in it。China auto loan since September 1998 the peoples bank of China issued the “measures for the administration of auto loans has been have 10 years of history. After 10 years of development, Chinas auto loan market ups and downs, experienced prosperity and reductio
4、n process, and also exposed many problems. As commercial Banks and shoulder further improve automobile financial service level, accelerating automobile financial products and service mode innovation, timely review and revise and improve the auto loan management system, accelerate the development of
5、auto loan, expand the automobile consumption for support, Chinas automotive industry development and the burden of expanding domestic demand. However, Chinas state- owned commercial bank of credit risk and operational risk, policy risk and market risk, etc doesnt have a lot of knowledge. This articl
6、e from the weak link of auto loans, through to the concept of the analysis of the present situation and development of state-owned commercial Banks auto loan risks are analyzed, meanwhile, explore for state-owned commercial Banks auto loan practice provides some useful suggestion. Key Words: commercial bank；automobile consumption credit；risk management III 目 录 1 引 言 1 2 汽车消费信贷的概述 . 2 2.1 汽车消费信贷的内涵 . 2 2.2 汽车消费信贷的模式 . 2 2.2.1 以银行为主体的直客模式 . 2 2.2.2 以经销商为主体的间客模式. 2 2.2.3 以非银行金融机构为主体的间客模式
