Research On Credit Risk Of Tenant Of Network Car Rental Company

China is a big automobile country,and its automobile sales have ranked first in the world for 10 consecutive years.However,the number of cars per 1,000 people in China is still lower than the global average.With the development of the economy and the progress of society,the demand for convenient and comfortable travel in the work and life of the people is growing.In the overall market of China’s automobile industry,there are still thousands of people with less than the global average,the high cost of using cars,and some cities adopting automobile restrictions/restriction measures.This is caused by car rental,especially the rise of the Internet economy.Network car service,with the popularity of mobile communication and mobile Internet and convenient,efficient and efficient services,to a certain extent meet the travel needs of people,ease the difficulty of taxis,but also help solve the problem of social employment.The research and analysis of the credit risk of the lessee by the research vehicle car rental company can enrich the risk management theory of the car rental industry and refine it to the network car rental scenario.In the actual work,the existing approval policies of the car rental company are carried out.Optimize and streamline customer data collection to improve approval efficiency and enhance customer experience.This research has positive significance for improving the risk management ability of the network car rental company and promoting the healthy development of the industry.This paper selects a network car rental car company that focuses on providing drivers with network car service as the research object.Based on the analysis of its operation mode and credit risk problem,it uses data mining technology to analyze its customers by factor analysis and logistic regression.Relevant loan information(such as gender,whether it is local,whether it is an old driver,the same Shield loan,etc.)to conduct research,analyze the important factors for the default of the network car tenant,and thus the company’s own business and other similar business models of the company Credit risk management makes recommendations.