商业银行汽车消费信贷风险变化分析

摘要

The changes of economic environment factors influence the risk facing the auto consumption credit in commercial banks. The changed risk requires commercial banks to change the past risk management tools and adopt new risk management measures. As the first year of the comprehensive deepening of the reform, what changes have taken place in the various economic factors in 2014, and what impact will bring to the banking sec-tor? This paper, by combing domestic and international economic environment and contrasting the corresponding risks in this context, puts forward some useful suggestions for domestic commercial banks' risk management.%经济环境因素的变化会使得商业银行汽车消费信贷面临的风险发生变化，变化了的风险要求商业银行改变以往风险管理手段，开发新的风险管理措施。2014年作为我国全面深化改革的元年，各项经济因素发生了哪些变化，又会给银行业带来哪些影响，本文通过梳理对比国内外经济环境和在此背景下面临的相应风险，最终为我国商业银行风险管理提供一些有用的建议。