我国商业银行个人汽车消费信贷风险防范研究
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摘要
近年来,随着我国经济的持续稳定发展,以及消费升级时代的来临,汽车业已经进入一个普及化的快速增长阶段。而我国商业银行作为汽车产业重要的金融支持者,自开办个人汽车消费信贷业务以来却经历了起步、发展、降温、复苏的曲折历程。由于目前我国商业银行自身还缺乏一整套科学有效的风险防范机制,加上我国社会信用体系尚未完全建立,与个人汽车消费信贷相关的法律法规还不健全等,风险问题已逐渐成为商业银行个人汽车消费信贷的瓶颈,该项业务的发展受到严重阻碍。
本文从借款者个人、商业银行自身、业务合作伙伴、社会经济环境四个方面入手,就商业银行个人汽车消费信贷的风险来源进行了较为全面的分析,提出商业银行应该加强对风险的分析与识别,并采取相应措施,进行有效控制。要从内部出发,尽快开发商业银行个人汽车消费信贷通用型贷前个人信用评级系统,建立贷后风险预警机制,拓展风险转移渠道,强化风险操作管理措施。同时,政府要倡导健全个人信用体系,完善个人汽车消费信贷的相关法律、法规,推进金融市场创新,以规范外部社会经济环境。两者结合,共同构建商业银行个人汽车消费信贷风险防范体系,促进我国个人汽车消费信贷业务的高速、稳定发展。
Recently, with the steady growth of the national economy and the arrival of an upgraded consumption era, the auto industry has stepped into a period of rapid development for popularization. Commercial banks, crucial financial supporters of the auto industry, have witnessed a zigzagging process of start, development, cooling down and resuscitation since the introduction of credit business for private auto consumption. Risks arising from the lack of a set of scientific and efficient risk prevention mechanism, the incomplete establishment of the national credit system and the morbidity of the relevant legal regulations have gradually become the bottleneck for notational commercial banks' credit for private auto consumption.
On the basis of a full analysis of the causes of private auto consumption credit risks from the consumer, the commercial bank, business partners, and social economic environment, this thesis proposes that commercial banks should strengthen their efforts in analyzing and identifying risks, and take corresponding measures to keep them within control. Commercial banks should develop within themselves a general pre-loan credit grading system for private auto consumption, and set up an after-loan risk preventive mechanism, so as to increase risk transference channels and strengthen management of risky business operation. Meanwhile, the government should advocate creating a complete personal credit grading system, improve the relevant laws and regulations, and reinforce the innovation of the financial market, so as to regulate the social economic environment. With theses two sides working together, a private auto consumption risk preventive system can be successfully established and a rapid and steady development in private auto credit business can be achieved.
本文从借款者个人、商业银行自身、业务合作伙伴、社会经济环境四个方面入手,就商业银行个人汽车消费信贷的风险来源进行了较为全面的分析,提出商业银行应该加强对风险的分析与识别,并采取相应措施,进行有效控制。要从内部出发,尽快开发商业银行个人汽车消费信贷通用型贷前个人信用评级系统,建立贷后风险预警机制,拓展风险转移渠道,强化风险操作管理措施。同时,政府要倡导健全个人信用体系,完善个人汽车消费信贷的相关法律、法规,推进金融市场创新,以规范外部社会经济环境。两者结合,共同构建商业银行个人汽车消费信贷风险防范体系,促进我国个人汽车消费信贷业务的高速、稳定发展。
Recently, with the steady growth of the national economy and the arrival of an upgraded consumption era, the auto industry has stepped into a period of rapid development for popularization. Commercial banks, crucial financial supporters of the auto industry, have witnessed a zigzagging process of start, development, cooling down and resuscitation since the introduction of credit business for private auto consumption. Risks arising from the lack of a set of scientific and efficient risk prevention mechanism, the incomplete establishment of the national credit system and the morbidity of the relevant legal regulations have gradually become the bottleneck for notational commercial banks' credit for private auto consumption.
On the basis of a full analysis of the causes of private auto consumption credit risks from the consumer, the commercial bank, business partners, and social economic environment, this thesis proposes that commercial banks should strengthen their efforts in analyzing and identifying risks, and take corresponding measures to keep them within control. Commercial banks should develop within themselves a general pre-loan credit grading system for private auto consumption, and set up an after-loan risk preventive mechanism, so as to increase risk transference channels and strengthen management of risky business operation. Meanwhile, the government should advocate creating a complete personal credit grading system, improve the relevant laws and regulations, and reinforce the innovation of the financial market, so as to regulate the social economic environment. With theses two sides working together, a private auto consumption risk preventive system can be successfully established and a rapid and steady development in private auto credit business can be achieved.
引文
[1]2006年中国区域金融运行报告(R),中国人民银行货币政策分析小组,2007-05-30
[1]个人汽车信贷呆坏账逾千亿 国有四大银行至少占81%,中华工商时报(N),2006.10.24
[1]王洪波等,风险预警机制(M),北京:经济管理出版社,2002.10
[2]于秋雯,商业银行引进境外战略投资者预警系统的构建(J),金融经济,2007(2)
[1]不良资产突破150亿 价格战打坏车贷“香饽饽”,中国证券报(N),2007.1.13.
[1]八成车贷案银行败诉 车贷审查被发现有严重漏洞,新京报(N),2006-10-18
[2]欧涵等,我国商业银行的个人汽车消费贷款(J),银行分析,2006(11)
[1]陈明珠,我国汽车消费贷款持续负增长的原因分析(J),华北金融,2006(6)
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[1]李超,灰色预测:Excel/VBA编程轻松实现(J),统计与信息论坛,2004(3)
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28.王颖,个人住房按揭贷款业务存在的风险及其防范(J),商业银行,2007(6)
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[1]个人汽车信贷呆坏账逾千亿 国有四大银行至少占81%,中华工商时报(N),2006.10.24
[1]王洪波等,风险预警机制(M),北京:经济管理出版社,2002.10
[2]于秋雯,商业银行引进境外战略投资者预警系统的构建(J),金融经济,2007(2)
[1]不良资产突破150亿 价格战打坏车贷“香饽饽”,中国证券报(N),2007.1.13.
[1]八成车贷案银行败诉 车贷审查被发现有严重漏洞,新京报(N),2006-10-18
[2]欧涵等,我国商业银行的个人汽车消费贷款(J),银行分析,2006(11)
[1]陈明珠,我国汽车消费贷款持续负增长的原因分析(J),华北金融,2006(6)
[2]丁玉萍,汽车信贷:跌跌不休(J),中国金融家,2006(11)
[1]常骏,汽车消费信贷发展与策略研究(J),上海汽车,2006(8)
[1]段红涛,如何防范企业改制引发的银行信贷风险(J),西部论丛,2002(3)
[1]李超,灰色预测:Excel/VBA编程轻松实现(J),统计与信息论坛,2004(3)
[2]曹协和等,构建区域信贷风险预警系统的框架设计(J),南方金融,2006(3)
[1]中国人民银行课题组,对金融服务与管理工作新模式之探究,华北金融,2007(7)
1.熊继洲等,商业银行经营管理新编(M),上海:复旦大学出版社,2005.03
2.郑磊等,商业银行信用管理(M),北京:清华大学出版社,2006.07
3.[美]COSO制定发布,企业风险管理——应用技术(张宜霞译)(M),大连:东北财经大学出版社,2006.01
4.杜晓山等,中国小额信贷十年(M),北京:社会科学文献出版社,2005.05
5.焦新龙等,汽车信贷、保险与理赔(M),杭州:浙江大学出版社,2007.01
6.肖成华,新世纪个人资信评估(M),北京:中华工商联合出版社,2001.01
7.李扬,银行信贷风险管理:理论、技术和实践(M),北京:经济管理出版社,2003.08
8.王洪波等,风险预警机制(M),北京:经济管理出版社,2002.10
9.杨华辉,我国股份制商业银行内部控制理论与设计(M),上海:上海财经大学出版社,2006.06
10.臧景范,金融安全论(M),北京:中国金融出版社,2001.09
11.涂永红等,银行信贷资产证券化(M),北京:中国金融出版社,2000.09
12.王再祥,汽车金融(M),北京:中国金融出版社,2004.02
13.巴曙松,巴塞尔新资本协议研究(M),北京:中国金融出版社,2003.06
14.[法]乔埃尔·贝西斯,商业银行风险管理(许世清等译)(M),深圳:海天出版社,2001.02
15.宋良荣,商业银行内部控制(M),上海:立信会计出版社,2006.07
16.何小锋等,资产证券化:中国模式(M),北京:北京大学出版社,2002.04
17.于秋雯,商业银行引进境外战略投资者预警系统的构建(J),金融经济,2007(2)
18.贾会远,浅谈我国个人汽车消费信贷的发展思路(J),金融领域,2007(1)
19.王晓光,个人汽车消费贷款存在的问题及防范对策(J),长春大学学报,2006(4)
20.欧涵等,我国商业银行的个人汽车消费贷款(J),银行分析,2006(11)
21.陈明珠,我国汽车消费贷款持续负增长的原因分析(J),华北金融,2006(6)
22.王海等,汽车行业态势与银行信贷投放(J),银行家,2007(2)
23.常骏,汽车消费信贷发展与策略研究(J),上海汽车,2006(8)
24.丁玉萍,汽车信贷:跌跌不休(J),中国金融家,2006(11)
25.邹平座,贷款风险分类的国际比较(J),中国金融,2007(4)
26.赵艳霞,对信贷担保若干新问题的探讨(J),经济与法,2007(3)
27.李沪宁等,加快个人征信系统建设 防范个人信贷业务风险(J),中国金融电脑,2007(2)
28.王颖,个人住房按揭贷款业务存在的风险及其防范(J),商业银行,2007(6)
29.陆涛,国外汽车消费信贷的发展概况(J),汽车工业研究,2005(7)
30.梁平等,论汽车消费信贷保证保险中共赢关系的构建(J),特区经济,2005(7)
31.孙德轩等,利率风险与个人消费贷款信用风险管理(J),经济问题,2007(2)
32.管述学等,商业银行关注类贷款预期模型及应用(J),中南财经政法大学学报,2006(6)
33.段红涛,如何防范企业改制引发的银行信贷风险(J),西部论丛,2002(3)
34.杨家文,商业银行信用风险管理预警指标体系研究(J),浙江金融,2006(7)
35.李超,灰色预测:Excel/VBA编程轻松实现(J),统计与信息论坛,2004(3)
36.曹协和等,构建区域信贷风险预警系统的框架设计(J),南方金融,2006(3)
37.万静芳,从完善银行治理结构出发健全银行内部控制(J),浙江金融,2007(7)
38.中国人民银行课题组,对金融服务与管理工作新模式之探究(J),华北金融,2007(7)
39.刘彪等,商业银行信贷风险分析(J),时代经贸,2007(2)
40.黄海峰,中国国有银行操作风险多发诱因与对策研究(J),金融与经济,2006(1)
41.吴涛,新COSO报告对构建我国内部控制规范体系的启示(J),商场现代化,2006(2)
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