汽车金融风险管理研究+文献综述
时间:2017-04-12 16:16 来源:毕业论文 作者:毕业论文 点击:次
| 摘要车已经能够逐渐进入寻常百姓家，这不能脱离经济发展和技术进步，同时，先进的管理和营销创新也起到了非常重要的作用。金融风险管理主要体现在对融资对象的严格的信用评估。消费信贷的金融机构和非金融机构向消费者个人贷款，以增加他们的消费能力，在国外有着悠久的历史和成熟的市场。目前，中国的消费信贷市场的最具投资价值的物种住房消费信贷，汽车消费信贷，但明显的中国汽车消费信贷的风险高，如何降低汽车信贷的风险，已成为政府和汽车金融公司解决了这个问题。改变消费观念，信用意识，建立和完善个人信用制度和信用体系，完善消费信贷相关的法律制度，建立有效的内部控制制度，实行浮动贷款利率，并用科学的信用评分技术应防范信贷风险。的想法。本文借鉴研究成果在国内和国外，国内和国外的汽车金融信用评分在消费信贷业务的专业人士和知识的实践和专业，我曾接触过之后，当前国内商业银行的个人信用评分指标的分析和改进借款人，职业，家庭经济状况，贷款和信贷历史在过去的五年层面的数据来创建商业银行消费信贷的信用评分指标体系，信用评分系统的精致元素和指标的详细分析。在本文中，汽车金融公司在中国的发展状况来建立模型，可以实现建立两个模型，根据专家判断和层次分析法（AHP），Logistic回归为基础的定量信用评分，信用评分模型模型，分别派生的信用评级指标的权重。最后，根据我国的个人信用体系的发展现状和问题，中国的汽车贷款，个人信用体系建设，进一步完善提出的建议和意见。7121 关键词：汽车消费信贷层次分析过程Logistic回归风险 Summary The car has been able to gradually into the homes of ordinary people, can not be separated from economic development and technological progress, at the same time, advanced management and sales innovation also played a very important role. Financial risk management is mainly reflected in the strict credit evaluation on the financing object. Consumer credit financial institutions and non-financial institutions to consumers to increase their spending power of a personal loan in a foreign country has a long history and mature market. At present, China's consumer credit market with the most investment value species for housing consumer credit and automobile consumption credit, but the obvious Chinese automobile consumption credit risk high, how to reduce the risk of automobile credit, has become the government and the auto finance companies to be solved the problem. Changes in consumer attitudes, credit awareness, establish and improve the personal credit system and credit system, improve the consumer credit-related legal system, to establish an effective internal control system, the implementation of floating lending rate, and use of scientific credit scoring techniques should prevent credit risks. ideas. This article draws on research results at home and abroad, domestic and foreign auto finance credit score practice and specializing in consumer credit business professionals and the knowledge I have contacted, after the analysis and improvement of current personal credit score indicators of domestic commercial banks from the borrower , career, family economic situation, loans, and credit history in the past five level data to create a commercial bank consumer credit credit score index system, a detailed analysis of refined elements and indicators of the credit scoring system. In this paper, the development status of the auto finance company in China to build the model can be implemented to build two models, a credit scoring models based on expert judgment and Analytic Hierarchy Process (AHP), a logistic regression-based quantitative credit scoring models, respectively derived credit rating index weight. Finally, based on the current development of China's personal credit system and problems of China's auto loans personal credit system construction and further improve the proposed suggestions and comments. (责任编辑：qin) |