The Research On The Application Of Auto Finance Anti-fraud Rules

With the rapid development of China’s economy,the automobile industry has gradually become the pillar industry of the national economy,and has become the world’s largest automobile consumer market and the largest automobile manufacturing market.The increasing importance of the automobile industry has led to the expansion of the automobile finance industry.Compared with the traditional auto loans of commercial banks,the auto finance industry has more diversified products,more flexible credit evaluation methods and faster timeliness,which is more conducive to the active and rapid development of the entire auto industry.Through the joint efforts of finance and automobile industry,it will continue to drive the development of the national economy and automobile industry,and can also more easily and quickly solve the financial problems when buying new cars.The rapid development of the new car market and the continuous improvement of market consumption have promoted the growth of the national auto finance industry.However,with the development of auto finance business,there are also many problems.On the one hand,due to the fact that China’s credit system is not perfect,the automotive financial products are relatively simple,the laws and regulations are not perfect,the risk control process is not perfect,and many other factors,the risks in the automotive financial industry are increased,which provides convenient conditions for criminals to use financial loopholes to implement financial fraud;On the other hand,due to the pressure of market share and performance,the auto finance industry as a whole and its companies are often lax in the audit of auto finance credit,which provides an opportunity for criminals to carry out auto finance fraud.In order to improve the anti fraud ability in the field of auto finance,the author will make full use of statistical theory,use logical regression and XGBoost algorithm as technical tools,analyze and sort out first-hand auto financial data,formulate anti fraud rules and models in the field of auto finance,with a view to providing reference and support for the healthy and sustainable development of the auto finance industry,At the same time,it provides a new idea and technical means for the research on anti bombing rules of auto finance in China,so as to promote the development of auto finance industry in a better direction.