一汽金融个人业务贷后管理改进研究

发布时间：2018-04-19 16:35

  本文选题：汽车金融 + 个人业务　； 参考：《河北经贸大学》2017年硕士论文

【摘要】：我国银行业金融机构“重贷轻管”的贷后管理问题普遍存在,未能建立起真正适应贷款快速增长的管理体系。在当前金融业快速发展的大环境下,贷后管理问题已经成为制约金融机构健康发展的薄弱环节。汽车金融作为银行业的一个分支,随着近几年汽车行业地快速增长,汽车金融业信贷资产规模实现了跨越式地发展,但汽车金融业在我国起步较晚,加之当前我国信用体系建设不完善,汽车金融业不良资产增长速度也令人警觉,贷后管理问题正逐渐受到汽车金融业的广泛关注。从国外汽车金融业发展历史经验来看,随着国民汽车普及率地提升,汽车金融贷款业务会得到更大的发展机会,我国汽车金融预期未来还会有更广阔的发展空间。如果国内汽车金融机构贷后管理短板问题不能解决,从短期看,会影响汽车金融机构业务发展信心,不敢期许更高的增长速度。从长远来看,会影响汽车金融业信贷资产质量和经营效益,甚至会阻碍国内汽车金融业健康持续经营发展,失去对外资汽车金融机构的竞争优势。贷后管理模式的优劣、贷后管理效率高低已经成为汽车金融业务核心竞争力的体现,国内汽车金融机构如何能够在激烈竞争中胜出,优秀的贷后管理体系是其根本所在,不断提升贷后管理水平应是当务之急。因此,要通过完善改进贷后管理机制,不断总结归纳当前汽车金融业务贷后管理中出现的现象和问题,学习业内优质机构的管理经验,找到提升解决之道,才能不断提高汽车金融公司整体经营管理能力和竞争水平。本文首先通过分析贷后管理方面的国内外文献资料,从一般到个别的演绎过程,概述了中外银行业关于贷后管理一般理论和研究成果,及贷后管理相关内容所涉及的理论,分别进行对比和评价,找到汽车金融个人业务贷后管理问题的研究思路。本文以一汽汽车金融有限公司的个人业务贷后管理作为研究对象,通过归纳外资金融公司当前的贷后管理特点,以及一汽金融当前业务模式特征,懫用了文献分析、案例分析等方法,并结合本职工作经验、资料分析的基础上,对一汽金融个人业务贷后管理中发现的问题及内外部原因进行分析,最后提出了对应的改进策略以及相关保障措施。根据本文的研究结果,认为一汽金融应立足于汽车金融业务发展的长远利益,高度重视贷后管理工作,不断归纳总结以往业务出现的问题,同时汲取外资金融公司管理优势,逐步提升贷后管理水平,追赶当前汽车金融业快速发展、激烈竞争潮流。本文从贷后检查、贷后催收及资产处置三个方面对一汽金融当前贷后管理进行流程改造及改进设想,提出自己的见解,并从加快贷后管理制度建设、设立贷后管理风险预警机制、建设优秀贷后管理队伍、建立有效的贷后管理激励机制等方面提出改进策略的具体解决方法和措施。
[Abstract]:The post-loan management of the banking institutions in our country is so serious that it is difficult to set up a management system that can adapt to the rapid growth of loans.In the current environment of rapid development of financial industry, post-loan management has become a weak link restricting the healthy development of financial institutions.Automobile finance as a branch of banking, with the rapid growth of automobile industry in recent years, the scale of credit assets of auto finance industry has developed by leaps and bounds, but the auto finance industry started late in our country.In addition, the construction of credit system in our country is not perfect at present, and the growth rate of non-performing assets in automobile financial industry is also alarming, and the problem of post-loan management is gradually being paid more and more attention to by automobile finance industry.From the historical experience of the development of foreign auto finance industry, with the increase of national automobile popularization rate, the auto finance loan business will get greater development opportunity, and the automobile finance of our country will have a broader development space in the future.If domestic auto financial institutions can not solve the problem of short board management after lending, in the short run, it will affect the confidence of auto financial institutions in the development of their business, and they will not dare to expect a higher growth rate.In the long run, it will affect the quality of the credit assets and the operating efficiency of the auto finance industry, even hinder the healthy and sustainable development of the domestic auto finance industry, and lose the competitive advantage to the foreign automobile financial institutions.The advantages and disadvantages of the post-loan management mode and the efficiency of post-loan management have become the embodiment of the core competitiveness of automotive financial business. How can domestic automobile financial institutions win in the fierce competition?Improving the level of management after the loan should be the top priority.Therefore, we should improve the post-loan management mechanism, continue to sum up the current phenomenon and problems in the post-loan management of automotive financial business, learn the management experience of high-quality institutions in the industry, and find a way to improve the solution.Only then can the automobile finance company's whole management ability and the competition level be improved continuously.Firstly, through the analysis of domestic and foreign literature on post-loan management, from general to individual deductive process, this paper summarizes the general theory and research results of post-loan management in Chinese and foreign banks, as well as the theories involved in the relevant contents of post-loan management.Compare and evaluate separately, find the research train of thought of personal business loan management of automobile finance.This paper takes the personal business post-loan management of FAW Automotive Finance Co., Ltd. as the research object, through summing up the characteristics of the current post-loan management of foreign financial companies and the characteristics of FAW Financial's current business model, using the literature analysis.Case analysis and other methods, combined with their own work experience, on the basis of data analysis, FAW financial personal business management after the problems found and internal and external reasons are analyzed.Finally, the corresponding improvement strategy and related safeguard measures are put forward.According to the research results of this paper, it is considered that FAW should base itself on the long-term interests of the development of auto finance business, attach great importance to the post-loan management work, continuously sum up the problems existing in the past business, and draw on the management advantages of foreign financial companies at the same time.Step by step improve the level of management after loans, catch up with the current rapid development of the automotive financial industry, fierce competition trend.In this paper, the author puts forward his own opinions on the reform and improvement of FAW's current post-loan management from the aspects of post-loan inspection, post-loan collection and asset disposal, and puts forward its own views, and puts forward its own views on speeding up the construction of post-loan management system.To set up the risk warning mechanism of post-loan management, to build an excellent post-loan management team, to establish an effective post-loan management incentive mechanism, and to put forward specific solutions and measures to improve the strategy.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.479
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本文编号：1773871