Research On The Credit Evaluation System Of P Bank Personal Auto Consumption Credit

Since 1995,China's personal automobile consumption credit business has been carried out in the past ten years.At the same time,the development of personal automobile consumption credit business in our country,the credit problem is more outstanding.Compared with some European and American financial industry of developed countries,China's personal consumption credit business started late,the bank credit management,in the loan before the loan credit in the execution and post loan risk control,there are still many deficiencies,various complicated loan procedures also brought great difficulties to car loans.Due to the lack of scientific authority of the personal credit evaluation criteria and evaluation system,which restricts the development of personal auto consumption credit business,thus affecting the overall development of personal auto finance business.The reality of the need to promote the new perspective of automobile consumer credit and credit evaluation system into the academic research field of vision.From the automobile finance market structure point of view,China is still in the early development of the automobile finance market,commercial banks due to the significant advantages of rapid development and its policy support,dominated the automobile consumption credit,resulting in domestic automobile credit market lack of fair competition environment,makes the automobile credit loans showing a single trend.In addition,one of the important factors of unsound credit system is restricting the development of automobile consumption credit,the specific performance of low degree of opening,low transparency,lack of corresponding restriction mechanism and the collection and sharing of personal information of consumers.In order to solve the above problems,promote the development of personal automobile consumption credit business,the paper introduced the theory of customer value,according to the theoretical analysis,data analysis construction of evaluation model of index system of personal automobile consumption credit research.This paper discusses the current situation of personal credit evaluation and auto consumption credit and the establishment of index system,the choice of indicators,combined with the data of P bank index,constructed the index system of the personal auto consumption credit.The study of this paper has certain significance for P bank to expand the automobile consumption credit business,and can also provide some help for other financial institutions to improve the credit rating system of automobile consumption credit.