摘 要
本文深入探讨了汽车金融公司面临的信贷风险问题。信贷风险，作为影响汽车金融公司稳健运营的关键因素，主要包括多种类型，并呈现出汽车金融行业的特有特点。信贷风险不仅导致公司资产质量下降、财务损失增加，还可能引发流动性风险，对公司长期发展构成威胁。通过对信贷风险问题的剖析，发现资料审核不严格、现场调查不足、借款人违约以及收入波动是主要的风险来源。为有效管理信贷风险，汽车金融公司需明确审核标准、细化调查内容、强化信用评估，并制定灵活的还款计划。本文旨在为汽车金融公司提供信贷风险管理的实践指导，促进公司的稳健发展和金融市场的稳定。
关键词：汽车金融公司 信贷风险 成因分析
Abstract
This paper deeply discusses the credit risk problems faced by auto finance companies. Credit risk, as a key factor affecting the stable operation of auto finance companies, mainly includes a variety of types, and presents the unique characteristics of the auto finance industry. Credit risk not only leads to the decline of the company's asset quality and the increase of financial losses, but also may cause liquidity risk and pose a threat to the long-term development of the company. Through the analysis of credit risk problems, it is found that lax data review, insufficient on-site investigation, borrower default and income fluctuation are the main risk sources. In order to effectively manage credit risks, auto finance companies need to clarify audit standards, refine investigation contents, strengthen credit assessment, and develop flexible repayment plans. This paper aims to provide practical guidance on credit risk management for auto finance companies, and promote the steady development of the company and the stability of the financial market.
Keywords: Auto finance company credit risk cause analysis
目 录
一、引言 1
二、信贷风险相关概述 1
（一）信贷风险的定义 1
（二）信贷风险的主要类型 1
（三）汽车金融公司信贷风险特点 2
三、信贷风险对汽车金融公司的影响 2
（一）资产质量下降 2
（二）财务损失 3
（三）流动性风险 3
四、汽车金融公司信贷风险问题剖析 3
（一）资料审核不严格 3
（二）现场调查不足 4
（三）借款人违约 4
（四）收入波动 4
五、汽车金融公司信贷风险管理对策 5
（一）明确审核标准 5
（二）细化调查内容 5
（三）强化信用评估 5
（四）灵活还款计划 6
六、结论 6
致 谢 8
参考文献 9
