Research On The Optimization For Credit Approval Process Of Automobile Financial Leasing Company H

Automobile financial market of China has entered a period of vigorous development.With the advantages of flexible product models,tax-saving functions and high risk protection,the burgeoning automobile financial leasing is gradually accepted by the majority of consumers in the first-tier and second-tier cities.There is a broad market in the third and fourth line cities.At present,the policy environment and legal environment for financial leasing industry in China are superior.The relevant policies and regulations issued by two supervisory departments of CBRC and the Ministry of Commerce accelerated the development of financial leasing industry effectively in recent years.With the rapid growth of business volume,automobile financial leasing companies pay more and more attention to risk control and the efficiency of approval.The paper takes H automobile financial leasing company as the research object,and focuses on the optimization of H company's credit approval process.The paper aims at the situation before the optimization of the credit approval process.Through in-depth analysis of relevant data,it extracts three main problems:overwork of employees,mismatch of the efficiency and business growth,and customer complaints.Through the analysis of the above problems,the main reasons are identified,including artificial utilization overrated,bottlenecks in the process of credit approval,and exorbitant return rate.The paper uses process analysis tools for designing and optimization from four aspects:organizational structure,assessment mechanism,risk control linkage system and Techfin.Finally,from quantitative and qualitative evaluation of the implementation effect in the optimization scheme,solving the current problem and taking into account the risk control.The goal of the research is reached.The research outcome of the thesis can provide reference for the optimization of the credit approval process for enterprises in the financial leasing or automobile financial industry.