还款渠道问题：客车按揭业务的风险防范重点

Repay-mortgage Channel is a Top-priority in Risk Management for Mortgage of Buses and Coaches

客车按揭业务解决了客车生产商的部分应收账款问题，加快了资金周转速度，降低了应收账款周转率。基于此，宇通、金龙、中通、安凯等客车厂家都非常热衷于开展客车按揭贷款业务。同时，光大、招商、交通、中信等多家商业银行也认识到客车按揭贷款业务的优势，均不同程度地与客车生产商开展“总对总”或“分对分”合作。客车按揭贷款业务风险低，且发展潜力大。

As one of rings on bus and coach production chains, mortgage loan is the major way of buying and purchasing buses and coaches. However, there exists potentially problem and misconduct in arrangement and management of mortgage because of the close engagement of various stakeholders. This article introduced in detail the different risks possibly existing in repay mortgage channels, and the prevention measures as well.