Research On Optimization Of Credit Risk Provision Model Of C Company’s Auto Loan

Credit risk provisioning is one of the important tasks for financial institutions.How to manage the credit risk provision of assets is a subject that requires continuous practice and improvement.This paper uses Company C as the analysis vehicle to optimize the research on the credit risk provision model of Company C’s auto loan,gain in-depth understanding of the current credit risk provision model of Company C’s auto loan business,and at the same time analyze the credit risk provision ratio in the industry.Or the calculation method of bad debt provision ratio,try to optimize the current credit risk provision ratio model of C company,so as to achieve the effect that the measurement result is closer to the actual loss rate.Finally,relevant safeguard measures are proposed to ensure that C company can Appropriate use of the credit risk provision model to achieve the effect of optimizing credit risk provision management in the actual application process.The optimization of the provisioning model will give Company C certain advantages and development opportunities in the future market competition.In the future credit risk management process of C company,the provision model can be used to timely pay attention to changes in the quality of loans.At the same time,as the market conditions and product changes faced by C company,the provision model also needs to be continuously adjusted and changed.To adapt to changing market conditions.