Automobile Consumption Credit Evaluation Mode Innovation

China's automobile production and sales has been the world's NO.1 for many years.Up to now,the development of China's auto industry began to enter the era of micro growth.Automobile consumer credit has become a catalyst for the growth of car sales,and more and more young people accepted and recognized the consumption pattern.However,China's automobile credit market still has a large gap compared with foreign mature markets.Post-90s has become the new car buyers,so we believe that domestic auto consumption credit will usher in rapid growth,and China's automobile consumer credit penetration is expected to quickly close to mature markets abroad.The further development of the automobile consumer credit market is inseparable from the innovation and upgrading of traditional credit evaluation model.In this paper,through the study of the existing typical credit evaluation model,we can find the possible defects,and make an empirical analysis of the Logistic model to explore the reasons.Try to build a new model of credit by means of artificial neural network is a leading,increase data acquisition dimension rich,enhance process rigorous and scientific,and pay attention to find the big data mining,which make the new model in credit evaluation of operation efficiency,accuracy and stability,has certain promotion.We hope that our exploration will be able to improve the efficiency and risk control of auto financial institutions in the automotive consumer credit business.Our exploration can promote the prosperity of China's automobile consumer credit.