X银行“一家分行做全国”模式下汽车经销商信贷风险管理研究

发布时间：2018-05-07 18:46

本文选题：汽车金融 + 汽车经销商　；参考：《深圳大学》2017年硕士论文

【摘要】：从上世纪汽车进入中国到21世纪我国步入汽车工业时代,来自于汽车制造企业、居民汽车消费需求的推动,在汽车产业链上汽车金融这一板块的业务创新及模式创新需求日趋强烈。其中汽车整车销售是汽车流转的重要环节,促进汽车销售一个重要推动为汽车经销商的库存融资是,目前汽车经销商库存融资的信贷提供者以国内商业银行为主。商业银行的综合化金融解决方案在汽车经销库存融资方面未得到充分体现,产品较为单一,模式相对固定。在此情况下,随着国内汽车行业爆发式增长,汽车经销商企业遍地开花,多以民营企业为主,普遍存在资金短缺,周转困难等问题,而汽车制造企业又强行压货,汽车经销商的库存融资迫在眉睫且需求量较大。另一方面,随着汽车金融参与主体的增多,特别是汽车金融公司的发展,商业银行在汽车经销库存融资方面寻求新的业务创新与之配套的风险管控措施。本文就X银行现有信贷风险等级评定模型以及其内在参考因素、逻辑思路进行了介绍。在基础之上对X银行在汽车经销库存融资业务上开展了新模式—“一家分行做全国”。在此模式下,本文对X银行如何开展汽车经销商库存融资,其业务架构以及开展业务的情况进行介绍。重点阐述了在现有风险等级评定体系基础上开展的此类汽车经销商库存融资业务发生的风险案例,上述案例揭示了商业银行“一家分行做全国”模式下汽车经销商授信业务的风险,并对上述信贷风险进行了分析总结,归纳出了商业银行在开展经销商库存融资业务时面临的主要风险,以及对应的风险控制措施。对于商业银行在“一家分行做全国”模式下汽车经销商的库存融资准入要求以及存续期管理等方面提出细化的管理方案。上述商业银行“一家分行做全国”模式下汽车经销库存融资的风险总结以及信贷管理方案对国内商业银行开展此类业务有一定的借鉴意义,同时本文也提出了上述模式下商业银行风险管理方面存在的不足之处。
[Abstract]:From the automobile entering China in the last century to entering the automobile industry era in the 21st century, it comes from the automobile manufacturing enterprises and the consumer demand of the residents. The demand for business innovation and mode innovation of automobile finance in automobile industry chain is becoming more and more intense. Automobile sales is an important part of automobile circulation, and promoting automobile sales is an important impetus for the inventory financing of automobile dealers. At present, domestic commercial banks are the main credit providers for auto dealers' inventory financing. The comprehensive financial solution of commercial banks has not been fully reflected in the aspect of automobile distribution inventory financing, the product is relatively single, and the mode is relatively fixed. Under such circumstances, with the explosive growth of the domestic automobile industry, auto dealer enterprises have flourished everywhere, mostly private enterprises, and there are generally problems such as capital shortage, turnover difficulties, and so on. The automobile dealer's inventory financing is urgent and the demand is large. On the other hand, with the increase of automobile finance participants, especially the development of auto finance companies, commercial banks seek new business innovation and corresponding risk control measures in auto distribution inventory financing. This paper introduces the existing credit risk rating model of X Bank and its internal reference factors. On the basis of X Bank in the auto dealership inventory financing business a new model-"one branch to do the whole country." In this mode, this paper introduces how X Bank carries out inventory financing of automobile dealers, its business structure and the situation of carrying out business. The risk cases of the inventory financing business of this kind of automobile dealers based on the existing risk rating system are described in detail. The above case reveals the risk of automobile dealer's credit business under the mode of "one branch doing national", and analyzes and summarizes the credit risk mentioned above. The main risks faced by commercial banks in carrying out dealer inventory financing business and the corresponding risk control measures are summarized. In this paper, a detailed management scheme is put forward for commercial banks in the mode of "one branch doing the whole country", such as the requirement of access to inventory financing and the management of the period of existence of automobile dealers. The risk summary and credit management scheme of automobile distribution inventory financing under the model of "one branch doing national" have certain reference significance for domestic commercial banks to carry out this kind of business. At the same time, this paper also put forward the above-mentioned model of commercial bank risk management deficiencies.
【学位授予单位】：深圳大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F426.471;F832.4

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