摘要随着个人汽车消费信贷业务的不断开展，其个人汽车消费信贷的比重不断增加，必须要对其风险管理措施不断进行完善。锦州银行是辽宁省内的一家城市商业银行，很多业务还在不断发展过程中，其风险控制相关措施还在不断完善的阶段，在很多业务开展过程中，锦州银行在其风险控制上存在明显不足。而且随着市场竞争压力的增加，还要抽出很多的精力去和国有商业银行进行竞争，因此锦州银行不仅要对业务的发展提高重视，而且还要对风险控制提高重视。因此，本文以锦州银行为研究对象，对其个人汽车消费信贷风险管理的现状进行分析，然后分析分析了锦州银行在个人汽车消费信贷风险管理的问题，最后提出了针对性的改进对策。希望通过本文的研究，对锦州银行个人汽车消费信贷的发展有所帮助，提高市场综合竞争力。关键词：锦州银行；汽车消费信贷；风险管理ResearchonPersonalAutomobileConsumerCreditRiskandPreventiveCountermeasuresofCommercialBanks--TakingJinzhouBankasanExampleAbstractWiththecontinuousdevelopmentofpersonalautomobileconsumercreditbusiness,theproportionofpersonalautomobileconsumercreditisincreasing.Itisnecessarytoconstantlyimproveitsriskmanagementmeasures.JinzhoubankisanurbancommercialbankinLiaoningProvince.Manybusinessesarestillintheprocessofcontinuousdevelopment,anditsriskcontrolmeasuresarestillinthestageofcontinuousimprovement.Intheprocessofmanybusinesses,Jinzhoubankhasobviousdeficienciesinitsriskcontrol.Moreover,withtheincreaseofmarketcompetitionpressure,wehavetodevotealotofenergytocompetewithstate-ownedcommercialbanks.Therefore,Jinzhoubankshouldnotonlypaymoreattentiontobusinessdevelopment,butalsopaymoreattentiontoriskcontrol.Therefore,takingJinzhoubankastheresearchobject,thispaperanalyzesthecurrentsituationofitspersonalautomobileconsumercreditriskmanagement,thenanalyzestheproblemsofJinzhoubankinpersonalautomobileconsumercreditriskmanagement,andfinallyputsforwardtargetedimprovementcountermeasures.Itishopedthatthroughthisresearch,itwillbehelpfultothedevelopmentofpersonalautomobileconsumercreditofJinzhoubankandimprovethecomprehensivecompetitivenessofthemarket.KeyWords：Jinzhoubank;Automobileconsumercredit;Riskmanagement目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II一、绪论................................................................................................................................1（一）研究背景.............................................................................................................1（二）研究意义.............................................................................................................1（三）研究思路与研究内容.........................................................................................2（四）研究方法与创新点.............................................................................................21.研究方法...............................................................................................................22.研究创新点...........................................................................................................2二、理论基础与文献综述....................................................................................................3（一）相关概念阐述........................................................
