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从国外汽车金融业发展历史经验来看，随着国民汽车普及率地提升，汽车金融贷款
业务会得到更大的发展机会，我国汽车金融预期未来还会有更广阔的发展空间。如果国
内汽车金融机构贷后管理短板问题不能解决，从短期看，会影响汽车金融机构业务发展
信心，不敢期许更高的增长速度。从长远来看，会影响汽车金融业信贷资产质量和经营
效益，甚至会阻碍国内汽车金融业健康持续经营发展，失去对外资汽车金融机构的竞争
优势。贷后管理模式的优劣、贷后管理效率高低已经成为汽车金融业务核心竞争力的体
现，国内汽车金融机构如何能够在激烈竞争中胜出，优秀的贷后管理体系是其根本所在，
不断提升贷后管理水平应是当务之急。因此，要通过完善改进贷后管理机制，不断总结
归纳当前汽车金融业务贷后管理中出现的现象和问题，学习业内优质机构的管理经验，
找到提升解决之道，才能不断提高汽车金融公司整体经营管理能力和竞争水平
本文首先通过分析贷后管理方面的国内外文献资料，从一般到个别的演绎过程，概
述了中外银行业关于贷后管理一般理论和研究成果，及贷后管理相关内容所涉及的理论，
分别进行对比和评价，找到汽车金融个人业务贷后管理问题的研究思路。本文以一汽汽
车金融有限公司的个人业务贷后管理作为研究对象，通过归纳外资金融公司当前的贷后
管理特点，以及一汽金融当前业务模式特征，釆用了文献分析、案例分析等方法，并结
合本职工作经验、资料分析的基础上，对一汽金融个人业务贷后管理中发现的问题及内
外部原因进行分析，最后提出了对应的改进策略以及相关保障措施
根据本文的研究结果，认为一汽金融应立足于汽车金融业务发展的长远利益，高度
重视贷后管理工作，不断归纳总结以往业务出现的问题，同时汲取外资金融公司管理优
势，逐步提升贷后管理水平，追赶当前汽车金融业快速发展、激烈竞争潮流。本文从贷IV
后检查、贷后催收及资产处置三个方面对一汽金融当前贷后管理进行流程改造及改进设
想，提出自己的见解，并从加快贷后管理制度建设、设立贷后管理风险预警机制、建设
优秀贷后管理队伍、建立有效的贷后管理激励机制等方面提出改进策略的具体解决方法
和措施
关键词:汽车金融；个人业务；贷后管理；改进策略V
Abstract
China&39;s banking sector financial institutions re-lending light post-loan management
problems prevalent, failed to build a real fast-growing loans to adapt to the management
system. With the rapid growth of the auto industry in recent years, the scale of credit assets
has achieved leapfrog development. However, the auto finance industry started late in China,
combined with the imperfect construction of China&39;s credit system, the growth rate of bad
assets in auto finance Fast, post-loan management issues are increasingly subject to the
automotive finance industry&39;s widespread concern. From the historical experience of the
development of foreign auto finance industry, with the increase in the national car penetration
rate, the auto finance loan business will be more opportunities for development; China&39;s auto
finance is expected to have a broader space for future development. If the short-term
management of domestic auto financial institutions can’t solve the problem of short-board, in
the short term, will affect the auto financial institutions business development confidence in
the long run, will affect the auto finance industry credit asset quality and operating efficiency,
and even hinder the domestic auto finance Industry healthy and sustainable development, the
loss of foreign auto financial institutions competitive advantage. After the post-loan
management mode of the merits, post-loan management efficiency has become the core
competitiveness of the automotive financial business reflects how the domestic auto financial
institutions to win in the fierce competition, excellent post-loan management system is its
fundamental.
This paper first analyzes the general theory and research results of post-lending
management and the theories related to the contents of post-loan management, which are
carried out by analyzing the domestic and foreign literatures of post-loan management, from
general to individual deductive process. Contrast and evaluation, to find the automotive
finance personal business post-loan management research ideas. This paper takes the personal
business post-loan management of FAW Automobile Finance Co., Ltd. ( FAF ) as the research
object. By summarizing the characteristics of the current post-loan management ofVI
foreign-funded financial companies and the characteristics of the current business model of
FAF, this paper adopts the methods of literature analysis and case analysis Based on the
experience and data analysis, this paper analyzes the problems and the internal and external
causes of the post - loan management of FAF personal business, and finally puts forward the
corresponding improvement strategies and related safeguard measures.
According to the research results of this paper, it is believed that FAF should be based on
the long-term interests of the development of automobile finance business, attach great
importance to post-loan management, and summarize the problems arising from the past
business, and learn from the advantages of foreign financial companies management and
gradually improve the management level , To catch up with the current rapid development of
auto finance industry, fierce competition trend. This paper puts forward their own ideas from
the three aspects of post-loan inspection, post-loan collection and asset disposal, and puts
forward their own views from the post-loan management system, and sets up the post-loan
management risk early warning mechanism, The construction of excellent post-loan
management team, the establishment of an effective post-lending management incentive
mechanism and other aspects of the proposed improvement of specific solutions and
measures.
Key Words: Auto finance, personal business, post-loan management, improvement strategyVII
目录
摘要......III
Abstract......V
1 引言.......1
1.1 研究目的和意义.....1
1.1.1 研究目的 .......1
1.1.2 研究意义 .......1
1.2 国内外相关研究现状.2
1.2.1 国内文献综述.....4
1.2.2 研究启发.........6
1.3 研究思路和方法.....6
1.4 本文创新点.........7
2 汽车金融业务贷后管理的理论研究.....8
2.1 汽车金融公司个人业务贷后管理业务及其特点...8
2.1.1 个人业务贷后管理的概念和主要内容 .......8
2.1.2 个人业务贷后管理的业务特点 9
2.2 个人业务贷后风险管理的内容....10
2.3 汽车金融业务贷后管理的理论基础11
2.3.1 信贷风险不对称理论 ........11
2.3.2 全面风险管理理论 ..........13
3 外资汽车金融公司贷后管理研究......14
3.1 上汽通用金融：不良资产债券化..14
3.2 丰田金融：模块化流程管理......15
3.3 大众金融：大后台小区域........16
4 一汽金融个人业务贷后管理分析......18
4.1 一汽金融个人业务贷后管理历程..18
4.2 一汽金融个人业务贷后管理研究..20
4.2.1 职能划分 ......20
4.2.2 贷后管理流程 ..21VIII
4.3 一汽金融个人业务贷后管
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