Research On Customer Risk Evaluation Of Auto Financial Leasing

With the formal implementation of the "Regulations on the Management of Auto Finance Companies" promulgated by the China Banking Regulatory Commission,China's auto finance leasing business has entered a stage of rapid development,and by comparing the current situation of the auto financing leasing market in developed countries,it can be foreseen that China's auto finance leasing market has a huge Development potential.However,the booming development of the automobile finance leasing business has also brought many new challenges.On the one hand,with the transformation of the financial leasing supervision department from the Ministry of Commerce to the Banking Regulatory Commission and the revised"Automotive Loan Management Measures" by the China Banking Regulatory Commission,it means future cars.The financial leasing business will face more stringent supervision;on the other hand,with the continuous expansion of the auto financing leasing market and the increase in default of financial leasing,the lack of a corresponding risk evaluation system has hindered the development of auto financing leasing business.Although the V auto finance company studied in this paper has relatively mature experience in auto financing leasing abroad,there are still some defects in the development of domestic financial leasing business.The risk evaluation of its financial leasing business customers mainly relies on the evaluation of automobile loans,and lacks professional risk assessment standards for automobile financing leases,which results in serious customer defaults and post-lease risk management is often in a passive identification state.It may cause certain damage to the overall operation of the enterprise,which is not conducive to the expansion of the automobile finance leasing business.It is imperative for V Auto Finance to establish a risk assessment system that is exclusively for the auto finance leasing business.This paper is based on systemic and comprehensive:Firstly,the risk evaluation system of automobile finance leasing business is constructed from four aspects:customer's external macro conditions,customer's internal financial status,customer operation risk and other risks,and is quantified by AHP.The weight of the second-level risk indicators,and the corresponding criteria for the specific risk indicators under the second-level risk indicators are explained accordingly.Secondly,the words "do not consider","cautious consideration","general","quality"are classified.According to the risk rating and the combination of these risk ratings and actual business,the corresponding risk rating application schemes are designed from the pre-lease and post-rental perspectives.Finally,the actual GF customers are evaluated by using the designed risk assessment system.The evaluation result is"cautious recommendation",and the final result is consistent with the actual operation,which verifies the rationality and effectiveness of the risk evaluation system.The innovation of this paper is to initially establish the risk evaluation criteria for auto financing leasing customers by subdividing indicators and quantifying weights,and combine risk rating with actual business to construct a risk evaluation system for auto financing leasing business with more quantitative and objective ideas.It is expected that the risk evaluation system constructed in this paper can provide some assistance to the development of domestic auto finance leasing business,and provide corresponding guidance and reference for the improvement and development of the auto financing leasing business risk evaluation system.