汽车金融风险管理研究+文献综述
关键词：汽车消费信贷层次分析过程Logistic回归风险
Summary
The car has been able to gradually into the homes of ordinary people, can not be separated from economic development and technological progress, at the same time, advanced management and sales innovation also played a very important role. Financial risk management is mainly reflected in the strict credit evaluation on the financing object. Consumer credit financial institutions and non-financial institutions to consumers to increase their spending power of a personal loan in a foreign country has a long history and mature market. At present, China's consumer credit market with the most investment value species for housing consumer credit and automobile consumption credit, but the obvious Chinese automobile consumption credit risk high, how to reduce the risk of automobile credit, has become the government and the auto finance companies to be solved the problem. Changes in consumer attitudes, credit awareness, establish and improve the personal credit system and credit system, improve the consumer credit-related legal system, to establish an effective internal control system, the implementation of floating lending rate, and use of scientific credit scoring techniques should prevent credit risks. ideas. This article draws on research results at home and abroad, domestic and foreign auto finance credit score practice and specializing in consumer credit business professionals and the knowledge I have contacted, after the analysis and improvement of current personal credit score indicators of domestic commercial banks from the borrower , career, family economic situation, loans, and credit history in the past five level data to create a commercial bank consumer credit credit score index system, a detailed analysis of refined elements and indicators of the credit scoring system. In this paper, the development status of the auto finance company in China to build the model can be implemented to build two models, a credit scoring models based on expert judgment and Analytic Hierarchy Process (AHP), a logistic regression-based quantitative credit scoring models, respectively derived credit rating index weight. Finally, based on the current development of China's personal credit system and problems of China's auto loans personal credit system construction and further improve the proposed suggestions and comments.
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