The Design On Risk Evaluation Index System For Z Consumer Finance Company Personal Consumption Loan

In recent years,the financial markets of our country has realized the rapid development,at the same time,China's financial deepening reform is also ongoing,as the "pilot management measures for consumer finance company" formally launched,consumer finance companies pilot began.With the steady development of business,rapid growth rate and huge development potential,consumer finance companies have received more and more attention.Consumption is the important means and way to fuel economic growth,the establishment and development of consumer financial company has significant to perfect the existing financial system,stimulate consumer market potential demand,promoting economic growth and achieve inclusive financial.Personal consumption credit,as the main business of consumer finance companies,to be carried on the effective management of risk can not only cultivate and enhance the overall level of risk management and consciousness,improve the capability of the risk identification and defense of consumer finance company,to adapt to the current financial market,balance the development of financial market in our country,construct stable and healthy financial market environment also has a vital role.But due to the limitation of China's traditional consumption idea and the existing personal credit system,consumer finance company's personal consumption credit risk management still exist some shortcomings and deficiencies,so it is of great practical significance to carry out in-depth research on it.This paper takes Z consumer finance company as the research object;firstly introduce the research background and significance of this paper.Secondly based on the domestic and foreign research and summarizes relevant theories,classify the personal consumption credit of consumer finance companies,analyzing Z Consumer Finance Companies consumer credit risk management status,problems and causes,consider that the Z company existing problems like management concept,management system,management type,management process in personal consumption credit risk management;Then using analytic hierarchy process(AHP)assess Z consumer finance companies personal consumption credit risk from personal basic information,loan basic information,personal credit loan status,through building Z consumer finance consumer personal consumption credit risk assessment index system based on the principle of purpose,conciseness,operability and continuity and judgment matrix table,establish personal consumption credit risk assessment model of AHP comprehensive evaluation.In this study,using AHP comprehensive evaluation method of personal credit evaluation model to evaluate personal credit risk,found that the prediction accuracy relative to the traditional method has obviously improved,achieve the desired effect;finally,aiming at the problem of risk management,combined with the result of risk assessment,based on the status quo of Z Consumer Finance Companies,proposed to strengthen the personal consumption of Z Consumer Finance Companies the credit risk management,improve the risk management system,increase the risk management type,optimize risk management process and suggestions to prevent the risk of personal consumption credit of Z Consumer Finance Companies.