Research On Risk Control Of Vehicle Mortgage Loan

The vehicle mortgage loan is the loan with the vehicle as collateral,which has the characteristics of small,dispersed and safe.It is a kind of financial product with high quality in the Internet financial platform.As a non-financial institution providing supplementary channels for smes and individuals,vehicle mortgage companies provide good financial support for small and medium-sized enterprises and individuals.In 2017,when Internet loans officially enter the regulatory year,vehicle mortgage loans also face the dual test of external supervision and internal control.In this paper,through the analysis of vehicle mortgage company,points out the risk factors of vehicle mortgage business is collateral(vehicles)value and personal credit risks,including personal credit risk is the main risk.Vehicle mortgage platform management risk to get profit,so the risk management technology is the core competitive edge of the platform,is also a period of time in the future have been throughout the car DiDai industry in the development of the main line.Based on the principles of loan risk evaluation index system,and China's current national conditions,vehicle mortgage their own characteristics,combined with my opinion survey of line workers,adopt AHP analytic hierarchy process(AHP),this paper proposes a method framework,make a trade-off between the evaluation standard,and provide a more transparent mortgage risk assessment model.Model results conform to the actual situation,and then within the sample data set and the sample data set is also respectively higher prediction accuracy,the model is proved that using the AHP analytic hierarchy process(AHP)to P2P traffic mortgage loan risk measure is feasible and reliable.Finally,this article from the current personal credit system in our country,the vehicle mortgage company's internal risk control,establish various complementary mechanism,etc.,in view of the vehicle mortgage risk management are proposed solutions.The future research is also prospected.The research of this paper can be of practical significance to the actual operation of vehicle mortgage companies.