汽车消费信贷发展历程及当前的策略分析--基于工商银行北京分行的调研情况

The Developing Process of Auto Consumption Credit and Strategy Suggestions——Based on the Survey in Beijing Branch of ICBC

我国汽车消费信贷业务在发展过程中大起大落,曾产生了较大比例的不良资产,这主要是征信体系和抵押登记制度不完善、第三方风险转嫁和资信调查存在问题及内部管理等多方面的因素所致。当前银行内外环境的改变为重新力推汽车消费信贷业务提供了良机,本文认为,商业银行在此过程中仍需采取细分市场,实行差异化信贷政策;整合营销渠道,树立品牌形象;将个人信用评分模型应用于客户信用评价;完善汽车贷款责任追究制度;创新产品流程以及建立汽车价格信息采集网络等多项措施以防范风险。

Chinese auto consumption credit business once experienced sharp fluctuations, which resulted in a host of nonperforming assets for commercial banks. Such consequence should be blamed to many factors, such as imperfect credit information system and collateral registration system, problems in third-party risk transfer, inadequate credit investigation and unsound internal management of banks. The changes in external and internal conditions now provide a nice opportunity for commercial banks to develop this business again, so the author proposes the following suggestions for commercial banks： （1） segmenting the market and fulfilling differentiated credit policies; （2） integrating marketing channels to build the image of brand, （3） applying the personal credit assessment model to evaluate customer＇s credit status; （4） improving the rules on accountability investigation; （5） innovating the business process and establishing auto price information collection system to guard against risks.