Research On Credit Risk Of Commercial Vehicle Financing Leasing Under The Background Of Big Data

As an important branch of the automobile industry,commercial vehicles play a very important role in the development of the national economy,and financial leasing is favored by commercial vehicle customers because of its convenient operation and flexible business model.Commercial vehicle financing leasing business has a broad Expansion capacity.For a long time,due to the lack of in-depth research on commercial vehicle financing in academic circles,on the one hand,commercial vehicle customer financing needs are much higher than conventional passenger vehicle financing needs.On the other hand,financial institutions lack commercial vehicles for in-depth research on commercial vehicles.The financing business is at a distance.The rapid development of the commercial vehicle industry makes the contradiction between the two more prominent.In this paper,with theoretical analysis and empirical analysis,combined with the latest big data related theories and a large number of real data of a leading company in commercial vehicle financing leasing,this paper conducts in-depth analysis and research on the credit risk control of commercial vehicle financing leasing It is of practical significance to promote the healthy and orderly development of commercial vehicle financing leasing business.This paper introduces the latest research methods such as big data related theories,game model analysis and logistic regression model analysis into the empirical analysis of risk control.The specific work is as follows:(1)It expands the literature research on the credit risk of commercial vehicle financial leasing,and provides theoretical reference and empirical test experience for commercial vehicle financial leasing business.Based on the shortcomings of this part of the existing literature,the commercial vehicle financing leasing credit risk is selected as the research object,and the risk control theory and empirical evaluation model are designed based on the characteristics of the development of commercial vehicle financing leasing business to provide commercial vehicle financing leasing business.Learned from experience.(2)The theoretical model and empirical research are combined,and the research conclusions are mutually confirmed,which improves the explanatory power and accuracy of the risk control assessment model.To make up for the shortcomings of the existing literature theoretical research and empirical research lack of mutual confirmation,the innovative combination of theoretical research based on game analysis and empirical research based on the Logistic model.The theoretical conclusions and empirical conclusions can be mutually confirmed,and the rationality,feasibility and accuracy of the risk control recommendations put forward in this paper are illustrated from the theoretical logic level and the actual effect level.(3)Fully used big data technology to conduct an empirical study on the credit risk of commercial vehicle financing leasing,which provides richer data and information conclusions.Based on the massive customer information data of a major domestic financial leasing company business platform,full use of the methods of screening identification,construction indicators,statistical analysis,regression analysis,efficacy evaluation,sample matching and other methods in big data technology to gradually screen effective samples and construct an indicator system,Get descriptive statistical results,get regression analysis results,judge model efficacy and prediction accuracy,get regression results after sample matching,etc.,based on the diversified value of big data and large samples,we have obtained a richer commercial vehicle financing lease Information conclusions on credit risk assessment and control.(4)Theoretical analysis,empirical research,and policy recommendations provide clear reference ideas and strong application value for the establishment and improvement of risk control methods for commercial vehicle financing leasing companies.Based on the relatively lacking prerequisites of domestic commercial vehicle financing lease credit risk related literature research,by constructing a game analysis theoretical model and a logistic empirical model,based on the risk assessment model conclusions,it proposes to improve the financial leasing development environment,strengthen customer qualification requirements and risk control 4.Encourage commercial vehicle financial leasing companies to engage in professional auto financial services and strengthen project risk management.Four policy recommendations and further refine the direction of risk control measures for each policy recommendation.The research ideas and analysis results are current and relatively confusing.The commercial vehicle financial leasing risk control system provides a strong reference value.At the same time,this paper directly extends the research results to other similar types of financial leases.Through the application of the results,good operating results have been achieved,which further verifies the correctness of the analysis.With the help of proven analysis methods,we were able to make a clear picture of the commercial vehicle finance leasing business customer group,and found the inherent basic characteristics and management methods of commercial vehicle finance leasing business credit risk.According to the regression results of customer characteristics,it can be seen that as the age increases,the customer’s performance status first deteriorates and then becomes better.At the same time,the improvement in marital status will greatly increase the customer’s performance probability.Significant improvement.According to the project characteristic regression results,it can be found that the larger the financing amount,the worse the customer’s performance status,the longer the financing period,the worse the customer’s performance status,and the higher the customer’s down payment ratio,the better the performance status,and the higher the level of cooperative dealer The more it helps to improve customer performance.Based on the credit feature regression results,the following conclusions can be drawn.The higher the customer rating,the better the performance status,which is in line with the original intention of the customer rating design.As the asset level increases,the customer performance status deteriorates first and then improves.The performance status of high-asset-level customers is better,while low-asset-level customers cherish financing Opportunities,dare not default easily.The performance status of the secured and secured customers is worse.The possible explanation is that the secured and secured customers have worse credit status and are more prone to default.The above analysis on the credit risk of commercial vehicle financing leasing will provide important guidance for the subsequent business development,so that all companies that carry out commercial vehicle financing leasing business can improve the company’s management in a targeted manner,and take measures in advance to address possible risk points Measures to reduce the rate of bad debt losses,improve their own operating level,and thus promote the continued healthy and stable development of the commercial vehicle financial leasing industry.