Design Of Credit Risk Control Optimization Scheme Of The H Company's Auto Finance Leasing Business

The competition of automobile industry gradually intensifies,which makes the automobile financial market enter the public vision.Moreover,the consumption habits and purchase concepts of using vehicles through financial leasing are gradually forming,and the financial leasing products of automobile can meet the needs of consumers more flexibly and efficiently.So the financial leasing business of automobile has received unprecedented attention from manufacturers and dealers.Nowadays,due to the complex internal and external environment of the financial leasing industry of automobile,the ability of credit risk management directly determines how enterprises can continue to maintain profit growth in the stressed market,or even longer-term development.On the basis of introducing the financial leasing business and credit risk management theory of automobile,this paper analyzes the status quo of credit risk control of the auto financial leasing business of H company,analyzes the existing problems and causes,and build a credit risk assessment modeland,puts forward the optimization scheme of credit risk control of the auto financial leasing business of H company.In the optimization scheme,it points out that the whole process control is realized by using the process control method of credit risk,and the credit risk control and management work is moved forward as far as possible.In addition,the overall credit risk control is designed into two mechanisms and three processes through the optimization scheme.Among the two mechanisms,one is the internal credit risk control environment mechanism,which mainly includes the company's organizational structure,risk culture and talent management.The other is information technology control mechanism.It mainly refers to the application of big data information technology in all aspects of the credit risk control process to provide information technology support for credit risk prevention and control.In the three processes,it designs and controls the credit risk from the three major business processes of pre leasing,in leasing and post leasing,and then gives the guarantee measures needed in the implementation of the optimization scheme.In view of the problems faced by the credit risk control of the auto financial leasing in our country,two mechanisms and three processes of the whole process control optimization scheme are proposed,and the random forest model is introduced as the quantitative evaluation model of the credit risk of the auto financial leasing business.To a certain extent,this enriches the theoretical research on the credit risk control of financial leasing of automobile,and can provide reference for the relevant automobile financial institutions.