摘要
近年來(lái)，隨著我國(guó)經(jīng)濟(jì)的持續(xù)穩(wěn)定發(fā)展，以及消費(fèi)升級(jí)時(shí)代的來(lái)臨，汽車業(yè)
己經(jīng)進(jìn)入一個(gè)普及化的快速增長(zhǎng)階段。而我國(guó)商業(yè)銀行作為汽車產(chǎn)業(yè)重要的金融
支持者，自開(kāi)辦個(gè)人汽車消費(fèi)信貸業(yè)務(wù)以來(lái)卻經(jīng)歷了起步、發(fā)展、降溫、復(fù)蘇的
曲折歷程。由于目前我國(guó)商業(yè)銀行自身還缺乏一整套科學(xué)有效的風(fēng)險(xiǎn)防范機(jī)制，
加上我國(guó)社會(huì)信用體系尚未完全建立，與個(gè)人汽車消費(fèi)信貸相關(guān)的法律法規(guī)還不
健全等，風(fēng)險(xiǎn)問(wèn)題已逐漸成為商業(yè)銀行個(gè)人汽車消費(fèi)信貸的瓶頸，該項(xiàng)業(yè)務(wù)的發(fā)
展受到嚴(yán)重阻礙。
本文從借款者個(gè)人、商業(yè)銀行自身、業(yè)務(wù)合作伙伴、社會(huì)經(jīng)濟(jì)環(huán)境四個(gè)方面
入手，就商業(yè)銀行個(gè)人汽車消費(fèi)信貸的風(fēng)險(xiǎn)來(lái)源進(jìn)行了較為全面的分析，提出商
業(yè)銀行應(yīng)該加強(qiáng)對(duì)風(fēng)險(xiǎn)的分析與識(shí)別，并采取相應(yīng)措施，進(jìn)行有效控制。要從內(nèi)
部出發(fā)，盡快開(kāi)發(fā)商業(yè)銀行個(gè)人汽車消費(fèi)信貸通用型貸前個(gè)人信用評(píng)級(jí)系統(tǒng)，建
立貸后風(fēng)險(xiǎn)預(yù)警機(jī)制，拓展風(fēng)險(xiǎn)轉(zhuǎn)移渠道，強(qiáng)化風(fēng)險(xiǎn)操作管理措施。同時(shí)，政府
要倡導(dǎo)健全個(gè)人信用體系，完善個(gè)人汽車消費(fèi)信貸的相關(guān)法律、法規(guī)，推進(jìn)金融
市場(chǎng)創(chuàng)新，以規(guī)范外部社會(huì)經(jīng)濟(jì)環(huán)境。兩者結(jié)合，共同構(gòu)建商業(yè)銀行個(gè)人汽車消
費(fèi)信貸風(fēng)險(xiǎn)防范體系，促進(jìn)我國(guó)個(gè)人汽車消費(fèi)信貸業(yè)務(wù)的高速、穩(wěn)定發(fā)展。
關(guān)鍵詞:商業(yè)銀行個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)防范
目錄
第一章緒論
、研究背景
、研究意義
國(guó)內(nèi)外研究現(xiàn)狀···········，············……
本文的研究思路、框架及可能的創(chuàng)新點(diǎn)
相關(guān)理論回顧·····，······，·······，······……
三一一
四、
第二章
一有關(guān)概念的內(nèi)涵及外延·······.·..........................
(一)個(gè)人汽車消費(fèi)信貸····································
(二)個(gè)人汽車消費(fèi)信貸的模式···························
(三)個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)······························
二、研究個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)防范的理論基礎(chǔ)·········
(一)預(yù)期收入理論············.··...........................
(二)信用脆弱理論···························..............
(三)信息不對(duì)稱理論························..............
(四)預(yù)警理論····································.·.··.......
(五)內(nèi)部控制理論··········································
第三章我國(guó)商業(yè)銀行個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)分析············
一、商業(yè)銀行個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)的類型及特征······
(一)個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)的類型·····················
(二)個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)的特征·····················
二、我國(guó)商業(yè)銀行個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)的來(lái)源分析···
(一)來(lái)源于借款者個(gè)人····································
(二)來(lái)源于商業(yè)銀行自身·································
(三)來(lái)源于合作伙伴·································......
(四)來(lái)源于社會(huì)經(jīng)濟(jì)環(huán)境
三、美國(guó)個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)防范的先進(jìn)經(jīng)驗(yàn)及啟示
(一)美國(guó)個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)防范的先進(jìn)經(jīng)驗(yàn)··，
(二)美國(guó)個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)防范先進(jìn)經(jīng)驗(yàn)的啟
第四章商業(yè)銀行個(gè)人汽車消費(fèi)信貸風(fēng)險(xiǎn)防范的對(duì)策·········
一開(kāi)發(fā)貸前個(gè)人信用評(píng)級(jí)系統(tǒng)······.......................
(一)信用評(píng)級(jí)系統(tǒng)的指標(biāo)選取原則·····················
(二)信用評(píng)級(jí)系統(tǒng)的指標(biāo)內(nèi)容···，·······················
(三)信用評(píng)級(jí)系統(tǒng)的開(kāi)發(fā)步驟···························
(四)信用評(píng)級(jí)系統(tǒng)的應(yīng)用····························，，·，·
二、建立貸后風(fēng)險(xiǎn)預(yù)警機(jī)制··，········，，···················，·，，
(一)風(fēng)險(xiǎn)預(yù)警信息跟蹤收集···，·······，·············，····
(二)風(fēng)險(xiǎn)預(yù)警信息判斷、決策··················，········
(三)風(fēng)險(xiǎn)預(yù)警機(jī)制的應(yīng)用·······，·，·················?！ぁぁぁぁ?br>三、拓展風(fēng)險(xiǎn)轉(zhuǎn)移渠道··········································
(一)加強(qiáng)普通方式擔(dān)?！ぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁぁ?br>(二)促進(jìn)參與各方合作···························……‘·…
(三)實(shí)行信貸資產(chǎn)證券化·································
四、強(qiáng)化風(fēng)險(xiǎn)操作管理措施····································
(一)內(nèi)部控制體系建設(shè)····································
(二)信貸模式創(chuàng)新·············……’‘”””””“”””””
五、規(guī)范外部社會(huì)經(jīng)濟(jì)環(huán)境····································
(一)健全個(gè)人信用體系····································
(二)完善相關(guān)法律法規(guī)······················……’二“.“
(三)推進(jìn)金融市場(chǎng)創(chuàng)新····································
結(jié)束語(yǔ)·····························································..