本科论文本科论文摘要要研究汽车金融公司的风险，首先就得对其有着准确的认识：汽车金融公司就是在中国银监会的批准设立下，为中国境内的汽车购买者和销售者提供金融服务的非银行机构。汽车金融公司主要的营业模式是通过和各类银行、汽车销售公司进行合作扩大自身规模以及对需要进行金融服务的汽车消费者提供信贷服务。在汽车金融公司所面临的各项风险中，信贷风险是最关键的。本文以信贷风险作为主要研究对象，以消费和信贷风险理论为出发点，对汽车金融公司的发展和金融信贷风险存在的问题进行介绍。再由信贷业务流程和特点，结合信贷风险内外部来源，对汽车金融公司信贷风险管理提出对策。关键词：汽车金融公司，信贷风险，风险管理AbstractTostudytherisksofautofinancingcompanies,itisnecessarytohaveanaccurateunderstandingofthem:autofinancingcompaniesarenon-bankinstitutionsestablishedundertheapprovaloftheChinabankingregulatorycommissiontoprovidefinancialservicesforcarbuyersandsellersinChina.ThemainbusinessmodelofautofinancecompanyistoexpanditsscalebycooperatingwithvariousBanksandautosalescompaniesandtoprovidecreditservicestoautoconsumerswhoneedfinancialservices.Amongtherisksfacedbyautofinancingcompanies,creditriskisthemostcritical.Thispapertakescreditriskasthemainresearchobject,takesconsumptionandcreditrisktheoryasthestartingpoint,andintroducesthedevelopmentofautofinancingcompaniesandtheproblemsexistinginfinancialcreditrisk.Thenbythecreditbusinessprocessandcharacteristics,combinedwiththeinternalandexternalsourcesofcreditrisk,putforwardcountermeasuresforthecreditriskmanagementofautofinancingcompanies.Keywords:Autofinancecompany，Creditrisk，Enterpriseriskmanagement目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc39864029"1.绪论PAGEREF_Toc39864029\h1HYPERLINK\l"_Toc39864030"1.1研究背景及选题意义PAGEREF_Toc39864030\h1HYPERLINK\l"_Toc39864031"1.2文献综述PAGEREF_Toc39864031\h1HYPERLINK\l"_Toc39864032"1.2.1国外相关理论PAGEREF_Toc39864032\h1HYPERLINK\l"_Toc39864033"1.2.2国内相关理论PAGEREF_Toc39864033\h2HYPERLINK\l"_Toc39864034"1.3论文主要研究内容及结构安排PAGEREF_Toc39864034\h2HYPERLINK\l"_Toc39864035"1.3.1主要研究内容PAGEREF_Toc39864035\h2HYPERLINK\l"_Toc39864036"1.3.2本文结构安排PAGEREF_Toc39864036\h2HYPERLINK\l"_Toc39864037"2．研究相关理论基础PAGEREF_Toc39864037\h3HYPERLINK\l"_Toc39864038"2.1汽车金融消费信贷理论PAGEREF_Toc39864038\h3HYPERLINK\l"_Toc39864039"2.1.1相对收入假说理论PAGEREF_Toc39864039