Risk Management And Control Strategy Research Of Personal Automobile Consumption Credit Loan

Personal automobile consumption loan usually refers to the consumer by mortgage, pledge, insurance companies or third parties to guarantee the condition, etc., to apply for car loans from financial institutions can offer auto loa n business, to pay for car models, then people paying automobile consumption credit loans to financial institutions owned by the behavior of a consumer loan servicing. In recent years, as C hina’s economy sustained steady and rapid development, as well as the adjustment of industrial structure and consumption upgrade, the automotive industry has entered a phase of rapid growth in popularity, relatively speaking C hinese automobile consumption credit loan business has experienced a process as starting, developing, cooling, recovering etc complex tortuous course. Given C hina’s social credit system is not yet fully established, associated with personal automobile consumer credit laws and regulations are not perfect and other factors, financial lending institutions still lack a system of effective risk prevention mechanism, risk has gradually become a constraining China’s automobile consumption credit business bottlenecks.This paper begins with the background of the entire automotive industry, transition from the automobile industry to auto finance, and automotive credit consumption loan which is the most important piece of auto finance. By comparing the current situation of domestic and foreign automobile consumption credit, reflecting C hina’s automobile consumption credit services main single, limited financial resources, the credit system is not perfect, loan cumbersome, inadequate supervision of executive power and other issues, this series of questions, directly or indirectly, improve the car credit risk. For consumers, lending institutions themselves, four partners and social and economic environment lenders theoretical analysis, and the use of game theory methods from the perspective of the formation process of China’s automobile consumption credit risk by AHP affected by the above factors were weighted sort, and finally with logit regression model to calculate the 11 factors affecting automobile consumption credit risk coefficients in the model, testing the consumer lending institutions themselves, and partners in four areas and social and economic environment, lenders one of the 11 elements of the automobile consumption credit risk impact, by comparing the two models are subtle differences that exist AHP and logit regression model of automobile consumption credit risk weighting factors the size of the two models in this article average weights derived from processing, resulting in a final weight of influence and its consistency test. On this basis, for the control of China’s automobile consumption credit risk, proposed to improve the borrower’s solvency; enhance personal credit system construction; regulate auto selfish behavior; improve the risk management system and improve an effective security system policy recommendations and measures.