互联网金融背景下对微信支付的校园市场发展研究

商业银行个人汽车消费信贷风险及防范对策研究一一以锦州银行为例摘要随着个人汽车消费信贷业务的不断开展，其个人汽车消费信贷的比重不断增加，必须要对其风险管理措施不断进行完善。锦州银行是辽宁省内的一家城市商业银行，很多业务还在不断发展过程中，其风险控制相关措施还在不断完善的阶段，在很多业务开展过程中，锦州银行在其风险控制上存在明显不足。而且随着市场竞争压力的增加，还要抽出很多的精力去和国有商业银行进行竞争，因此锦州银行不仅要对业务的发展提高重视，而且还要对风险控制提高重视。因此，本文以锦州银行为研究对象，对其个人汽车消费信贷风险管理的现状进行分析，然后分析分析了锦州银行在个人汽车消费信贷风险管理的问题，最后提出了针对性的改进对策。希望通过本文的研究，对锦州银行个人汽车消费信贷的发展有所帮助，提高市场综合竞争力。关键词：锦州银行；汽车消费信贷；风险管理-I-Research on Personal Automobile Consumer Credit Risk andPreventive Countermeasures of Commercial Banks--TakingJinzhou Bank as an ExampleAbstractWith the continuous development of personal automobile consumer credit business,the proportion of personal automobile consumer credit is increasing.It is necessary toconstantly improve its risk management measures.Jinzhou bank is an urban commercialbank in Liaoning Province.Many businesses are still in the process of continuousdevelopment,and its risk control measures are still in the stage of continuous improvement.In the process of many businesses,Jinzhou bank has obvious deficiencies in its risk control.Moreover,with the increase of market competition pressure,we have to devote a lot ofenergy to compete with state-owned commercial banks.Therefore,Jinzhou bank shouldnot only pay more attention to business development,but also pay more attention to riskcontrol.Therefore,taking Jinzhou bank as the research object,this paper analyzes thecurrent situation of its personal automobile consumer credit risk management,thenanalyzes the problems of Jinzhou bank in personal automobile consumer credit riskmanagement,and finally puts forward targeted improvement countermeasures.It is hopedthat through this research,it will be helpful to the development of personal automobileconsumer credit of Jinzhou bank and improve the comprehensive competitiveness of themarket.Key Words:Jinzhou bank;Automobile consumer credit;Risk managementII-目录摘要..IAbstract....I一、绪论(一)研究背景(二)研究意义…1(三)研究思路与研究内容2(四)研究方法与创新点21.研究方法…2.研究创新点….2二、理论基础与文献综述…3(一)相关概念阐述31.个人消费信贷的概念….32.个人消费信贷的分类.3(二)相关理论.31.信息不对称理论.32.交易费用理论…(三)文献综述…41.国外研究现状.42.国内研究现状.4三、锦州银行个人汽车信贷风险管理现状….6(一)锦州银行概况.…6(二)锦州银行个人汽车贷款发展现状.61.总体余额情沉况.62.不良贷款情况..6(三)锦州银行个人汽车信贷风险管理现状7四、锦州银行个人汽车信贷风险管理存在的问题.9(一)贷前阶段问题….9(二)贷中阶段问题….9(三)贷后阶段问题10五、锦州银行个人汽车信贷风险防范的对策44448444445444444444444454444444444444544444440。(一)贷前阶段防范对策.11-III(二)贷中阶段防范对策12(三)贷后阶段防范对策13结论.………14参考文献.14IV-