Abstract: the article on credit credit card car staging business customers default behavior to carry on the analysis, summarizes the performance of four kinds of default behavior from the cardholder, car dealer's point of view, and put forward some countermeasures.

Keywords: credit card; automobile installment business; credit; risk prevention

In recent years, bank credit card car financing business has developed rapidly, increasing proportion in consumer transactions in the larger, because the staging business with the single large amount and long term, the formalities, convenient features, customer for the car staging businessThe default behavior is more and more, the risk of bank also appears day by day. This paper discusses credit mode (non mortgage) mainly displays the car stage business risk, put forward countermeasures and suggestions, to share with you.

One, vehicle staging business definition

Credit card installment service, refers to a certain amount of the cardholder to banks for the purchase of goods or services staging limit reimbursement, the bank approval, the transaction amount were divided into several portions, the cardholder card within the agreed time limit monthly repayment by credit, and in accordance with the provisions of the bank to pay a certain fee business. An automobile installment business belongs to the stage of business, the purchase is the subject of the automobile, transactions involving relationship between banks, automobile dealers and the cardholder three party credit mode, vehicle staging business cars don't have to purchase a car for car mortgage procedures the Department, also do not need to cardholders other property guarantee measures.

Two, vehicle staging business default behavior main performance

Because the credit mode auto staging business bank is unable to carry on the real-time monitor to stage vehicle, so the banks to control risk, with the customer to sign the agreement would use the vehicle restrictions, such as setting the cardholder purchased the vehicle shall not be operated, mortgage or cash, such as breach, will be a one-time back stage funds etc.. But in practice, the agreement is weak, customer defaults were more common, mainly in the:

1Bought after the surrender, the transfer of the cardholder vehicle.

In order to avoid bank and dealer supervision, part of the cardholder and purchase a car dealer place real transaction and get a bank approved payment processing business, the insured vehicle quickly transfer, purchase a car to get a lump sum payment. If the cardholder Zhang for himself to buy vehicle insurance, the insurance all single surrender in a short time. Subsequently, the cardholder with the original copy of the insurance policy, a copy of the invoice, purchase a car data bank special installment of funds, and the purchase of vehicles to transfer third people, and refuses to perform the obligation of repayment, the bank payment funds have been overdue. The cardholder to bought after the surrender, the transfer of vehicle way malicious obtain bank funds, bank has reported the case to the public security organ.

2The cardholder vehicle non occupied, generation of others to handle the business.

Because the automobile installment business banks have access threshold, individual cardholders in the others do not meet the conditions for relatives, friends, apply for vehicle staging business. Because the automobile non cardholders to use, the cardholder repayment funds actually by the vehicle use repayment, repayment of the principal business applicant and inconsistency, bank capital to risk. If the cardholder Lee for car insurance, car license registration procedures, support for banks gave special vehicle staging funds, funds spent on the same day, the vehicle handle transfer procedures, and to the insurance company to apply for change of automobile license plate number, the insured and other information, including the insured to liao. In fact, the business is Li Moudai dear Liao to apply for the,At this stage the funds have been overdue.

3Stage vehicle for rental business.

As the car depreciation period short, particularly for vehicle depreciation run faster, to ensure that the repayment period in actual life car, Bank of staging business vehicles shall not be used for operation with clearly defined, to ensure the safety of bank funds. But some cardholders to use the application name, for a car stage business to the bank, in fact did not fulfill its commitments, the vehicle used in operations. If a bank customer, a couple of business car shop, Luo and his wife were to apply for bank2Pen vehicle staging business. In fact, business process before the Luomou has several personal car loan, the customer's cars have significantly more than the actual demand of the family. After investigation, Luomou also operates a car rental business, the purchase of vehicles is actually meet the needs of the business.

4Auto dealers to buy from sell since, for false transaction.

Similar to the individual housing loans "fake mortgage", the individual auto suppliers to get funding, the slow-moving cars to fictitious purchase a car people (internal staff or dealer relatives) name buy, taking automobile instalment from the bank. The main approach is through the dealer to ID card holders of a certain amount of compensation, compensation for the use of other identity card, and sign, the ID card holders in the automobile installment agreement signed, the bank according to the agreement agreed to credit card holders, and the capital clearing dealer. Also between the dealer and the ID card holders have an agreement, such as the acceptance does not require ID card holders assume any debt and confidentiality clauses etc..

Three, countermeasures and suggestions

Under the installment credit car business customers default behavior, such as the lack of effective management measures, the problems of suspicious transaction bank card account measures timely and initiative,Will endanger the bank credit funds safety, and could bring regulatory risk. For this, put forward the following countermeasures and suggestions:

1Banks should be combined with the actual situation around, license, insurance and management authority in installments business purchased the movements of the vehicle registration information and dynamic monitoring system, the vehicle management department for the vehicle information inquiry authority, improve the understanding agency breach of customer information of vehicles.

2Banks should use the traffic police vehicle query system data, the development of automobile installment business Post loan management system, realize the dynamic tracking stage business vehicle. The cardholder transfer vehicle's breach of contract, promptly inform, and according to the agreement in advance to recover the payment of money.

3Strictly examine customer application data, for the cardholder beyond the family normal vehicle demand application should be given attention, access to customers. For self-employed business applicants should focus on monitoring and tracking, avoid special line diverted.

4The protection of cardholder should strengthen their own rights and interests, knowing the law abiding. Remind cardholders do not covet a moment of small profits, personal identity documents can not borrow, vehicle staging protocol cannot easily signature, otherwise it will bear the corresponding legal responsibility.

5To strengthen the car dealer's review, supervision, avoid false car trading. The bank should strictly abide by the laws and regulations stage business, strengthening stage business management, strengthening the risk consciousness, the full attention of staging business loan before the review, a good approval; supervision departments should strengthen the supervision to the car dealer, for engaging in false staging trading of auto dealers and the cardholder should be included in the bank blacklist.

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Lin Yuexiong  Construction Bank Guangzhou branch Chinese audit