X公司汽车消费信贷现状与发展对策研究
发布时间：2019-06-20 03:59
【摘要】：20世纪初期，汽车消费信贷开始出现。目前在发达国家已经发展成熟，全款购车的比例已经很低，基本上都是采用贷款购车的方式。但是国内的汽车消费信贷市场发展落后，与发达国家还存在较大的差距。 具有国内汽车金融公司代表意义的X公司，经过2012年的业务扩张，目前业务网络已经遍布全国200多个城市，服务2200多家经销商，业务能力和行业口碑不断增强。但是作为一个发展中的汽车金融公司，在内外部环境的影响下，也存在服务能力弱，金融品种单一，内控机制不健全，风险管理水平落后等问题。 本文主要通过理论与实践相结合的方法，基于消费信贷理论、消费者行为理论、流程管理理论和风险管理理论，在国内汽车消费信贷市场这个外部环境的影响下，通过对于X公司发展现状及问题的剖析，从服务网络、业务流程、产品种类、融资渠道、风险控制这五个方面对X公司提出相应的问题解决对策。特别针对X公司当前最为严峻的风险控制能力不足的问题，分析X公司非正常资产形成的影响因素，，寻找X公司风险控制的途径和对策，从而提高X公司风险控制的能力。
[Abstract]:In the early 20 th century, automobile consumer credit began to appear. At present, it has developed and matured in developed countries, and the proportion of car purchases has been very low, basically using loans to buy cars. However, the development of domestic automobile consumer credit market lags behind, and there is still a big gap with developed countries. X Company, which has the representative significance of domestic automobile finance companies, has expanded its business network in more than 2200 cities in more than 200 cities in 2012, serving more than 2200 dealers, and its business ability and industry reputation have been continuously enhanced. However, as a developing automobile finance company, under the influence of internal and external environment, there are also some problems, such as weak service ability, single financial variety, imperfect internal control mechanism, backward risk management level and so on. This paper mainly through the method of combining theory and practice, based on consumer credit theory, consumer behavior theory, process management theory and risk management theory, under the influence of the external environment of domestic automobile consumer credit market, through the analysis of the development status and problems of X company, from the service network, business process, product types, financing channels, The five aspects of risk control put forward the corresponding problem solving countermeasures for X Company. In order to solve the problem of insufficient risk control ability of X company at present, this paper analyzes the influencing factors of abnormal assets of X company, and looks for the ways and countermeasures of risk control of X company, so as to improve the ability of risk control of X company.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F426.471;F832.4
本文编号：2502906
[Abstract]:In the early 20 th century, automobile consumer credit began to appear. At present, it has developed and matured in developed countries, and the proportion of car purchases has been very low, basically using loans to buy cars. However, the development of domestic automobile consumer credit market lags behind, and there is still a big gap with developed countries. X Company, which has the representative significance of domestic automobile finance companies, has expanded its business network in more than 2200 cities in more than 200 cities in 2012, serving more than 2200 dealers, and its business ability and industry reputation have been continuously enhanced. However, as a developing automobile finance company, under the influence of internal and external environment, there are also some problems, such as weak service ability, single financial variety, imperfect internal control mechanism, backward risk management level and so on. This paper mainly through the method of combining theory and practice, based on consumer credit theory, consumer behavior theory, process management theory and risk management theory, under the influence of the external environment of domestic automobile consumer credit market, through the analysis of the development status and problems of X company, from the service network, business process, product types, financing channels, The five aspects of risk control put forward the corresponding problem solving countermeasures for X Company. In order to solve the problem of insufficient risk control ability of X company at present, this paper analyzes the influencing factors of abnormal assets of X company, and looks for the ways and countermeasures of risk control of X company, so as to improve the ability of risk control of X company.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F426.471;F832.4
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本文编号：2502906
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