本科论文摘 要要研究汽车金融公司的风险，首先就得对其有着准确的认识：汽车金融公司就是在中国银监会的批准设立下，为中国境内的汽车购买者和销售者提供金融服务的非银行机构。汽车金融公司主要的营业模式是通过和各类银行、汽车销售公司进行合作扩大自身规模以及对需要进行金融服务的汽车消费者提供信贷服务。在汽车金融公司所面临的各项风险中，信贷风险是最关键的。本文以信贷风险作为主要研究对象，以消费和信贷风险理论为出发点，对汽车金融公司的发展和金融信贷风险存在的问题进行介绍。再由信贷业务流程和特点，结合信贷风险内外部来源，对汽车金融公司信贷风险管理提出对策。关键词：汽车金融公司，信贷风险，风险管理本科论文AbstractTo study the risks of auto financing companies, it is necessary to have an accurate understanding of them: auto financing companies are non-bank institutions established under the approval of the China banking regulatory commission to provide financial services for car buyers and sellers in China. The main business model of auto finance company is to expand its scale by cooperating with various Banks and auto sales companies and to provide credit services to auto consumers who need financial services. Among the risks faced by auto financing companies, credit risk is the most critical. This paper takes credit risk as the main research object, takes consumption and credit risk theory as the starting point, and introduces the development of auto financing companies and the problems existing in financial credit risk. Then by the credit business process and characteristics, combined with the internal and external sources of credit risk, put forward countermeasures for the credit risk management of auto financing companies.Key words: Auto finance company，Credit risk，Enterprise risk management本科论文目 录1.绪论..............................................................................................................
