Analysis And Research On The Risk Assessment Method Of Personal Car Consumption In China

Automobile consumption credit risk refers to the risk of default for a car buying consumer credit brings, mainly for the debtor. In China automobile development is relatively slow, the main reason is that the late start and the unsound system cause the commercial bank and the domestic automobile financial companies of enterprise groups to exert the advantages hardly. By 2014,Only 16 domestic auto finance companies are established, and domestic accounts for only a few, such as: FAW, SAIC and SINOTRUK. And the commercial banks occupy a monopoly position in the automobile credit market, the proportion of that is about 90%. In recent years, the automobile consumption credit business in China has developed quickly, but auto sales financing ratio is less than 20%, compared with the developed countries which is still a big gap in 70%, China,s automobile consumption credit is still in the “crossing the river by feeling the stones” of the situation, to guard against the risk,the financial institutions which provide automobile consumption credit is made more demanding credit threshold so as to against the risk, resulting in complicated procedures, high costs defects, eventually led to the credit market of our country car consumption slow development. Therefore, pay attention to the research of automobile consumption credit risk assessment methods in our country,and the construction of automobile consumption credit risk model,has important theoretical value and practical significance to accelerate development of automobile consumption credit market of our country. In this paper,from the basis of learning advanced experience from developed countries auto consumption credit risk control, we analyze the present situation of auto consumption credit risk management in our country, and the comparative analysis of automobile consumption credit risk control of China and the developed countries in the gap between the level of control system, mechanism, reveals the defects existing in our country, combining the reality of our country, according to the development environment of auto finance in China, we try to design control index of prevention of automobile consumption credit risk in our country, and through the field survey and the corresponding index data collected to establish the auto consumption credit risk assessment model, so as to provide risk prediction and assessment reference for the development of domestic personal auto consumption credit, and put forward the corresponding countermeasures and suggestions on the evaluation method of use. Finally, we expect that it can promote the development of China’s personal automobile consumption credit market effectively.