商业银行汽车消费信贷业务现状、问题及发展建议

发布时间：2018-05-16 11:18

本文选题：汽车金融 + 消费信贷　；参考：《西南金融》2017年02期

【摘要】：本文在分析汽车市场发展新趋势和国内外商业银行汽车金融业务模式的基础上,探讨了我国商业银行汽车消费信贷规模无法实现突破的主要原因。研究发现:我国商业银行在营销战略规划、客户管理、风险控制、交叉销售、汽车消费各环节的金融嵌入存在不足,制约了汽车消费信贷的发展。在数字化时代,商业银行的发展模式和金融客户行为偏好已发生了重大改变,本文提出要结合未来商业银行的数字化趋势和消费者的行为偏好,以数字化建设为重点,加快数字化在客户关系管理、风险控制、业务流程改造和交叉销售等方面的应用。另外,学习部分银行的做法,从建设核心平台入手,整合汽车消费各环节的客户需求,实现消费场景与金融业务的高度融合。
[Abstract]:Based on the analysis of the new development trend of automobile market and the automobile finance business model of commercial banks at home and abroad, this paper discusses the main reasons why the scale of automobile consumption credit of commercial banks in China can not achieve a breakthrough. It is found that the financial embedding in the aspects of marketing strategic planning, customer management, risk control, cross-selling and automobile consumption in Chinese commercial banks is insufficient, which restricts the development of automobile consumption credit. In the digital age, the development mode of commercial banks and the behavior preference of financial customers have changed greatly. This paper proposes to combine the digitization trend of commercial banks in the future and the behavior preference of consumers to focus on digital construction. Accelerate the application of digitization in customer relationship management, risk control, business process transformation and cross-selling. In addition, learning from some banks, starting with the construction of the core platform, to integrate the customer needs of all aspects of automobile consumption, to achieve a high degree of integration of the consumption scene and financial services.
【作者单位】：渤海银行广州分行;
【分类号】：F832.4;F426.471

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