發(fā)布時(shí)間：2018-01-17 20:38

  本文關(guān)鍵詞：重汽財(cái)務(wù)公司汽車金融風(fēng)險(xiǎn)管理研究　出處：《山東大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 重汽財(cái)務(wù)公司 汽車金融 風(fēng)險(xiǎn)管理

【摘要】：中國重汽財(cái)務(wù)公司(以下簡稱重汽財(cái)務(wù)公司)作為中國重汽集團(tuán)出資的非銀行金融機(jī)構(gòu),從設(shè)立到現(xiàn)在已經(jīng)27年的時(shí)間了,作為國內(nèi)最早成立的四家財(cái)務(wù)公司之一,公司發(fā)展歷經(jīng)波折。經(jīng)過2004年重組,尤其是近幾年的努力,重汽財(cái)務(wù)公司作為一家現(xiàn)代金融企業(yè)的架構(gòu)、功能、體系基本形成,財(cái)務(wù)公司作為集團(tuán)金融產(chǎn)業(yè)平臺的龍頭和核心,在市場開拓、經(jīng)營管理、風(fēng)險(xiǎn)防范、規(guī)范發(fā)展、金融產(chǎn)品研發(fā)、IT建設(shè)等逐步取得進(jìn)展,充分發(fā)揮財(cái)務(wù)公司的金融服務(wù)平臺作用,實(shí)現(xiàn)集團(tuán)存量資金效益最大化,已經(jīng)逐步融入集團(tuán)的各項(xiàng)業(yè)務(wù)領(lǐng)域,產(chǎn)融結(jié)合效果明顯,風(fēng)險(xiǎn)管理水平進(jìn)一步提升,為集團(tuán)的發(fā)展做出了應(yīng)盡的貢獻(xiàn)。自2008年開始辦理汽車消費(fèi)貸款業(yè)務(wù)以來,已累計(jì)促銷車輛2.2萬輛,累計(jì)發(fā)放汽車貸款53億元,涉及重卡、自卸車、輕卡、特種車、客車挖掘機(jī)等重汽所有品牌車系。汽車金融對集團(tuán)產(chǎn)品銷售的推動作用明顯提升,汽車金融促銷理念已逐步融入到各主營單位及經(jīng)銷商意識和銷售行為中,汽車金融成為集團(tuán)實(shí)現(xiàn)汽車銷售的有力工具。 然而,在各項(xiàng)業(yè)務(wù)快速發(fā)展的同時(shí),各種內(nèi)部及外部的風(fēng)險(xiǎn)問題也逐步顯現(xiàn)出來,產(chǎn)生了一定的風(fēng)險(xiǎn)隱患。主要體現(xiàn)在： 一是信貸標(biāo)的物的不易控制性、借款人的低端性和還款資金來源的不確定性等特點(diǎn)決定了公司汽車金融業(yè)務(wù)高風(fēng)險(xiǎn)性。中國重汽的產(chǎn)品主要以工程自卸車、水泥攪拌車為主,借款人主要以農(nóng)民、工程承包商等低收入群體構(gòu)成,整體素質(zhì)尤其是信用意識不高,車輛運(yùn)行環(huán)境復(fù)雜,受經(jīng)濟(jì)下行壓力影響,鋼鐵、水泥、煤炭等能源行業(yè)的產(chǎn)量及使用量有大幅度下降,借款人經(jīng)營狀況受到嚴(yán)重影響,運(yùn)量嚴(yán)重不足,運(yùn)費(fèi)清算資金難以及時(shí)到位,造成還款資金來源出現(xiàn)問題。 二是同業(yè)務(wù)快速發(fā)展相比,內(nèi)部管理相對薄弱,金融屬性缺失,風(fēng)險(xiǎn)管理水平有待提升。 三是作為一家老牌財(cái)務(wù)公司,自身在經(jīng)營理念、機(jī)制建設(shè)、內(nèi)部管理、尤其是在建立符合現(xiàn)代金融企業(yè)發(fā)展要求的風(fēng)險(xiǎn)管理、績效分配、獎懲考核評價(jià)上同國內(nèi)、省內(nèi)財(cái)務(wù)公司相比存在較大差距,公司的發(fā)展定位一直未達(dá)到監(jiān)管部門期望的目標(biāo),內(nèi)生增長動力仍需增強(qiáng)。財(cái)務(wù)公司要發(fā)展成為一家先進(jìn)的金融企業(yè),要承擔(dān)起集團(tuán)產(chǎn)融結(jié)合的金融平臺,要肩負(fù)起集團(tuán)產(chǎn)品銷售的金融助推器作用,要滿足產(chǎn)業(yè)鏈各環(huán)節(jié)的金融需求,必須要建立科學(xué)嚴(yán)謹(jǐn)?shù)娘L(fēng)險(xiǎn)管理控制體系。 四是公司員工對風(fēng)險(xiǎn)防控意識不強(qiáng)、控制制度不完善、貸審流程不嚴(yán)謹(jǐn)、信息化進(jìn)程與內(nèi)控制度建設(shè)不同步、缺少風(fēng)險(xiǎn)績效考核結(jié)果作為業(yè)績評定、獎懲的重要依據(jù),公司缺少關(guān)于風(fēng)險(xiǎn)責(zé)任追究和整改措施的有效落實(shí)。 五是風(fēng)險(xiǎn)管理制度不健全不完善,尤其是貸前調(diào)查、貸中操作、貸后管理的規(guī)章制度亟待加強(qiáng)完善。 六是重汽財(cái)務(wù)公司的信息科技工作一直相對滯后,已成為業(yè)務(wù)發(fā)展中的瓶頸,在一定程度上甚至制約了業(yè)務(wù)的發(fā)展,其風(fēng)險(xiǎn)相對于金融企業(yè)對其他風(fēng)險(xiǎn)的管理尚處于初級階段,治理不到位。 本文對重汽財(cái)務(wù)公司汽車金融信貸業(yè)務(wù)面臨的各類風(fēng)險(xiǎn)進(jìn)行了深入研究探討。明確指出信貸風(fēng)險(xiǎn)的主要來源和產(chǎn)生原因以及風(fēng)險(xiǎn)類別,針對風(fēng)險(xiǎn)形成的原因,結(jié)合風(fēng)險(xiǎn)防范的有關(guān)對策與措施,從構(gòu)建風(fēng)險(xiǎn)管理體系、加強(qiáng)內(nèi)外部控制、加強(qiáng)信息管理、從金融業(yè)態(tài)上實(shí)現(xiàn)專業(yè)化經(jīng)營方面提出了優(yōu)化方案。重汽財(cái)務(wù)公司汽車金融業(yè)務(wù)正處在發(fā)展時(shí)期,本文的研究可以為下一步公司開展汽車金融工作及控制風(fēng)險(xiǎn)提供參考和借鑒。
[Abstract]:Chinese heavy financial company (hereinafter referred to as the auto finance company) non bank financial institutions as Chinese Chongqijituan investment, from set up to now 27 years, four financial companies as one of the earliest establishment of the company, the development of the twists and turns. After the 2004 reorganization, especially in recent years of hard work, heavy financial as a modern financial enterprise architecture, function, basic system, financial companies as the leading group and the core platform for the financial industry, development, management, risk prevention, regulate the development of financial products in the market, R & D, IT construction progress gradually, give full play to the role of financial service platform of financial company, to achieve the maximum group stock funds benefit, has been gradually integrated into the group's various business areas, with obvious effect of industry and finance, to further improve the level of risk management, to make the development of the group We should do contribution. Since 2008, business car consumption loans, has accumulated sales of 22 thousand vehicles, a total payment of car loans 5 billion 300 million yuan, involving heavy trucks, dump trucks, light trucks, special vehicles, excavators and other heavy truck passenger cars. All brand promotion of the automobile finance group product sales improved significantly, car the financial marketing concept has been gradually integrated into the main unit and dealer sales consciousness and behavior, the automobile finance group to become the powerful tool of automobile sales.
However, with the rapid development of various businesses, various internal and external risk problems are also emerging.
One is the credit of the subject matter is not easy to control, the characteristics of the borrower's repayment sources and the lower end of the uncertainty determines the company's auto finance business of high risk. Chinese heavy truck products mainly to the main engineering truck, cement mixer, the borrower mainly to farmers, contractors etc. constitute low income groups, overall especially the quality of credit awareness is not high, the vehicle running environment is complex, affected by the pressure of the economic downturn, iron and steel, cement, output and consumption of coal and other energy industries have decreased greatly, the borrower operating conditions have been seriously affected, traffic is seriously insufficient, freight clearing funds is difficult to timely, causing the repayment sources of funding problems.
Two, compared with the rapid development of business, the internal management is relatively weak, the financial attributes are missing, and the risk management level needs to be improved.
The three is as a veteran financial company, its business philosophy, mechanism construction, internal management, especially in establishing modern financial risk management, enterprise development requirements of the performance evaluation on the reward distribution, with the domestic financial companies, the province there is a big gap compared to the development of the company positioning had not reached the expected goal of regulators, endogenous growth momentum remains to be enhanced. Financial companies to become an advanced financial enterprises, to assume the group combination financial platform, to shoulder the financial role of booster Group sales of products, to meet the financial needs of the various sectors of the industry chain, must establish a scientific and rigorous risk management control system.
Four employees of the risk control awareness is not strong, the control system is not perfect, loan review process is not rigorous, the process of informationization and the construction of the internal control system is not synchronized, the lack of risk evaluation results as an important basis for performance assessment, rewards and punishment, the lack of effective implementation of risk responsibility and rectification measures.
The five is that the risk management system is not perfect and imperfect, especially the pre loan investigation, the operation of the loan and the regulations and regulations of the post loan management need to be strengthened and improved.
Six, the information technology of heavy duty finance company has been relatively lagging behind. It has become a bottleneck in the development of business, and even restricted the development of business to some extent. Its risk relative to the management of financial enterprises to other risks is still at the initial stage, and governance is not in place.
This paper makes a thorough research on all kinds of risks of financial credit's automotive business finance company. The main source pointed out that the credit risk and the causes and risk categories, according to the cause of the risk, combined with the relevant countermeasures and measures of risk prevention, from the construction of risk management system, strengthen internal control, strengthen information management, from on the realization of the business financial industry professional optimization scheme are proposed. CNHTC auto finance business finance companies are in the stage of development, this research can thaw and control the risk and provide the reference for the next step to carry out car company.

【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F426.471;F406.7

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本文編號：1437895