| With the development of auto finance industry,more and more companies participate in the competition.In recent years,due to the change of economic environment,the non-performing loan rate of most auto finance leasing companies is getting higher and higher,and the original risk control system is also facing challenges.Facing fierce competition,the newly established auto finance company has neither rich experience in auto finance industry nor perfect risk control system.H auto finance leasing company is a auto finance company with short establishment period.At present,its main business is the after-sale leaseback of commercial vehicle.This paper analyzes the overdue situation of the company's credit data and points out that,in order to ensure the stable and healthy development of the company's auto financial business and reduce the overdue rate,the company needs to re-establish a set of practical risk control management system.This paper introduces the business model and operation process of H auto finance leasing company,analyzes some outstanding problems existing in the risk control management of the company at present,and finds out the reasons that affect the development of the company's auto finance business,as well as the resulting risks.Through the fuzzy analytic hierarchy process,the operational risk,credit risk and market risk are integrated into a risk evaluation system,the risk factors are refined,and each risk indicator is given a weight,and then the risk level of each car loan case is comprehensively evaluated,so that the decision-maker makes a more reasonable and objective decision,and do a good job in risk control.At the same time,from different perspectives of preventing before-loan,monitoring in-loan and management after-loan,this paper puts forward improvement suggestions for the implementation of risk management in H auto finance leasing company,which can provide intellectual support for the healthy development of H auto finance leasing company. |
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