The Research On Credit Risk Assessment Model Of Auto Dealers Group

With the continuous development and maturity of the global auto industry,the collectivize development of auto dealers is the general trend.Due to limited funds of the auto dealers group,in order to expand its scale rapidly,speed up the network and layout to seize the market,auto dealers group are hungry for external financing.As the largest market financing carrier,commercial banks carry out auto finance business,which is not only to deal with the increasingly fierce competition environment,but also to meet the need for financing of the auto dealers group.With the slowdown of the investment in infrastructure,and the tough of the real estate finance,as one of the largest circulation and consumer industry,auto industry will be the blue area of development of the commercial banking in the next several years.Auto finance business in commercial banks is on his way.As a special subject of the enterprises in the market,credit admittance and risk control of the auto dealer group is the major task for banks who will meet nowadays,when professional business is paid attention to.Embarks from status and development trend of the auto dealer group,we analyze Risk of the auto dealer group which they meet in its development process,foster risk assessment index system of auto dealer group,using the method of analytic hierarchy process(AHP)to establish the fuzzy evaluation model to estimate the risk exposure of auto dealer group,and then apply the case and Empirical analysis to check up the model.The banks provide risk assessment for the dealer group based on the model results,then sort the projects and make a choice.Finally,based on application of the credit risk model of the auto dealer group,we put forward the suggestions to improve the credit risk assessment model.