A Study On The Pre-loan Risk Control Of Personal Auto Consumption Loan Of Commercial Banks

With the introduction of national policies to encourage automobile production and consumption,as well as the improvement of people’s living standards,the automobile consumption market has become the second largest consumer market after housing consumption.However,compared to the rapidly growing market size,the market maturity of the entire industry is not high,and there are various risks and challenges.Personal car consumption loans have become the main source of intermediate business income for YD branch.In recent years,with the changes in the economic situation in S region,the non-performing loan amount and non-performing rate of personal car loans of the bank have continued to grow,and the types of non-performing customers also vary.This not only affects the bank’s operating performance,but also puts forward new requirements for identifying default risk factors,predicting customer repayment ability,and improving pre-loan risk control capabilities.Firstly,this article introduces the research background and significance.The rapid development of the automobile consumption market has driven the rapid expansion of personal automobile consumption loans.However,with the changes in China’s economic environment,the risk of personal automobile consumption loans is gradually increasing.YD branch faces new challenges in pre-loan risk control of personal automobile consumption loans.Secondly,this article analyzes the current development status and pre-loan control status of personal car consumption loans in YD branch.Through a survey questionnaire and practical cases,four problems in pre-loan control are identified: the continuous growth of non-performing loans;Poor ability to prevent and control borrower risks;The pre-loan investigation is not in-depth;The foundation of risk quantification management is weak.Once again,this article conducts a comprehensive analysis of the factors influencing the risk of personal car consumption loans in YD branch from the perspectives of internal pre-loan control and borrowers.Based on the micro individual data of personal car consumption loans in YD branch from 2020 to 2021,a random forest model is used to further quantify the default risk factors affecting personal car consumption loans.The conclusion drawn is that monthly income,age Marital status and other factors have a significant impact on whether one is overdue,while gender,education level,and number of installments have little impact on whether one is overdue,and the resulting model is tested and tested.This article gives the following suggestions on how to effectively strengthen the pre-loan control of the default risk of personal auto consumption loans: strengthen the pre-loan investigation,with particular emphasis on the stability of borrowers’ monthly income,younger age,and marital status;Adhere to the bottom line of customer admission and cannot lower customer admission standards due to performance completion;Always strengthen employees’ risk awareness.