Research Automobile Consumption Credit Risk Research In China

In recent years,our country’s automobile industry develops good, with thecorresponding, automobile consumer credit also has good development prospectsand development space, as one of financial services,auto financing for carmanufacturers, distributors or consumers are mutually beneficial. Profit and riskcoexist, but in the present, auto financing non-performing loans appearconstantly, restricted the healthy development of auto financing, in order toguarantee the steady development of the auto financing, the first thing to do is toprevent and dissolve the risk of auto financing. In the development process ofChina’s auto financing, exposing the huge risk problem, concerning financialrisk management in China’s auto financing.Through dynamic game analysis, it is concluded that auto financing’s mainrisk, and on this basis, starting from the characteristics of auto financing, usingthe fuzzy analytic hierarchy process (ahp), setting up the reasonable andeffective risk rating model of auto financing, to effectively distinguish the loanapplicants, giving reasonable loan scheme, and improving the quality of autofinancing risk management, so as to provide guarantee for the healthydevelopment of the auto financing. First of all, this paper introduces the researchsignificance and the content, and the domestic and foreign research of autofinancing risk; Secondly, from the perspective of dynamic game analysis, it isconcluded that the main risk of auto financing is credit risk, operational risk andmarket risk; The third, using fuzzy analytic hierarchy process (ahp), analysisauto financing risk factors in detail, and it is concluded the weight of the autofinancing risk, and get the comprehensive qualifications of borrowers, and thecase of the model is verified through actual loans; Finally, according to theanalysis of the index weight of each risk factor, putting forward targeted riskcontrol measures.The article setting the auto financing risk factors as the research object,using the fuzzy analytic hierarchy process (ahp) to establish the auto financingrisk rating system.From the perspective of science, choose the index weight, isclear and distinct, comprehensively covering of the auto financing risk factors.Using the fuzzy analytic hierarchy process (ahp) to comprehensive evaluat theborrower’s risk level, well adapt the digital trend of the risk evaluation.The rating of auto financing risk can more objectively make evaluation toauto financing, and credit reviewers can focus on the risk factors of high riskweighting coefficient, make more effective results of the loan approval. The rating of auto financing risk has certain feasibility and effective practicalapplication significance. In the future, we need to constantly improve the autofinancing risk rating model in practice, in order to better promote the healthydevelopment of the auto financing.