汽车贷款的风险防范（Risk prevention of auto loan）.docVIP

汽车贷款的风险防范（Risk prevention of auto loan） Auto loan risk prevention.Txt my dad said the most touched me one sentence: the child, Study hard, dad used to play mahjong play the $10, now for you to study, to play the 1 block. Risk prevention of auto loan Abstract: there are still many risks and shortcomings in the automobile loans of commercial banks, which require banks to find risks and avoid risks in a timely manner, and prevent the risk of automobile loans. Key words: car loan; risk prevention First, the types of automobile credit risk: (I) property risk If the credit is overdue, the measures taken by the bank shall be the mandatory recall of the vehicle, which will be owned by the bank. This inevitably raises the risk of car credit. However, due to natural factors, human factors caused by the car body damage and loss of direct, will make the value of the car itself down, even if the bank confiscated the car auction will also be faced with certain losses. Furthermore, the car market new products emerge in an endless stream products update rapidly, old cars, the price drop is often like, when the consumer credit car overdue loans, bank mortgage depreciation after its value is difficult to offset the debt, causing car credit risk. (two) liability risk At present, banks in the automobile credit by natural person guarantee and guarantee dealers in two ways to reduce the risk, the bank is the dealer guarantee, because the car dealer is by the bank after the approval of loans to provide consumers with Car Buying third party guarantee service, with authenticity and stability. However, in practice, if the borrower defaults, according to the law property protection is better than personal protection provisions, must be the borrowers collateral disposal is completed, the remaining debt by the guarantor. The real problem is that the dealer has no fixed assets to be mortgaged, but the amount of the guarantee is far greater than its own assets. Once the dealers business situation