农行龙岩分行汽车消费信贷可持续发展研究

发布时间：2018-01-01 23:01

本文关键词：农行龙岩分行汽车消费信贷可持续发展研究　出处：《华侨大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着汽车产业的发展以及各商业银行为争夺市场份额而展开的竞争，以信用卡分期为载体的汽车消费信贷业务发展迅速，但由于汽车消费贷款风险性质的特殊性，信用体制的不完善，担保和保险制度的不完善，使得汽车消费贷款坏账的不断上升，阻碍了这一业务的发展。为此，一直以来在汽车消费信贷业务中发展态势良好的农行龙岩分行也面临着进退两难的境地，是放松办贷条件提升业务量，还是以风险防控为主稳健的开办业务，是该行亟须解决的问题。本文从实际出发，，通过对农行龙岩分行汽车消费信贷业务的特点和存在的问题进行了深入的总结、分析，探讨汽车消费信贷问题的发展对策，通过设计合理的业务办理流程，加强内部管理，提升业务风险预警和处置水平，推动汽车消费信贷业务发展的对策和措施。首先，在前人研究及实证分析基础上，由汽车消费贷款业务内涵和特点入手，概括了龙岩市汽车消费贷款发展的三个阶段，进而阐述农行龙岩分行汽车消费信贷业务发展概况和特点，分析长期以来农行龙岩分行汽车消费贷款快速发展的原因，主要是专业化经营和一站式服务，同时加强精细化管理，以防范信贷风险。其次，本研究提出了农行龙岩分行汽车消费信贷现存问题，主要有：贷款风险明显偏高、同业竞争日趋激烈、贷款管理难度加大，并对这些问题从业务方面、信用方面、操作方面三个因素进行剖析。最后本研究分析了当前汽车消费贷款业务发展的趋势，提出农行龙岩分行汽车消费贷款应采取的“间客式”发展模式，并针对如何加强风险防控提出管理模型的构建，提出一些符合实情、操作性强的对策建议。本研究认为，随着当今汽车经济的发展，汽车消费信贷业务也必将快速转型发展，所以，本研究以龙岩地区汽车消费信贷业务面临的风险问题入手，重点探索出一套适用农行龙岩分行汽车消费贷款业务发展的机制，应该对本地区的汽车消费信贷业务发展具有一定的现实意义。
[Abstract]:With the development of automobile industry and the competition of commercial banks to compete for market share, the automobile consumption credit business with credit card as the carrier is developing rapidly. However, because of the particularity of the risk of automobile consumption loan, the imperfect credit system and the imperfect guarantee and insurance system, the bad debt of automobile consumption loan is rising constantly, which hinders the development of this business. Agricultural Bank Longyan Branch, which has been developing in the automobile consumption credit business for a long time, is also faced with a dilemma, that is, to relax the lending conditions to enhance the business volume, or to take risk prevention and control as the main robust business. This paper analyzes the characteristics and existing problems of the automobile consumption credit business of Longyan Branch of Agricultural Bank of China. This paper discusses the development countermeasures of automobile consumption credit problem, through the design of reasonable business process, strengthen internal management, improve the level of business risk warning and disposal. The countermeasures and measures to promote the development of automobile consumption credit business. First of all, on the basis of previous research and empirical analysis, this paper summarizes the three stages of the development of automobile consumption loan in Longyan City, starting with the connotation and characteristics of automobile consumption loan business. Then it expounds the general situation and characteristics of the automobile consumption credit business of Longyan Branch of Agricultural Bank of China, and analyzes the reasons for the rapid development of automobile consumption loan in Longyan Branch of Agricultural Bank of China for a long time, mainly specialized management and one-stop service. At the same time, strengthen the fine management to prevent credit risk. Secondly, this study puts forward the existing problems of automobile consumption credit in Longyan Branch of Agricultural Bank of China. The main problems are: the loan risk is obviously high, the competition of the same industry is becoming more and more intense, the difficulty of loan management is increasing, and these problems are from the business aspect. Credit, operational aspects of the analysis of three factors. Finally, this paper analyzes the current development trend of automobile consumption loan business, and puts forward the "inter-customer" development mode that should be adopted in the automobile consumption loan of Longyan Branch of Agricultural Bank of China. In view of how to strengthen the risk prevention and control proposed the management model construction, proposed some in line with the reality, the maneuverability strong countermeasure suggestion. This research thinks, along with the present automobile economy development. Automobile consumption credit business will also be rapid transformation and development, so this study starts with the risk of automobile consumption credit business in Longyan area. It is important to explore a suitable mechanism for the development of automobile consumption loan business in Longyan Branch of Agricultural Bank of China, which should be of practical significance to the development of auto consumption credit business in this area.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F426.471

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