汽车消费贷款风险测试模型

Measurement Model of Auto Consuming Credit

由于我国开展汽车消费贷款的时间短,相关的法律制度和信用制度不完善,信贷风险大大增加。因此,需要建立汽车消费贷款风险防范体系,有效防范和化解汽车消费贷款风险。文章从消费信贷、风险管理的理论成果出发,采用规范和实证分析相结合的方法,首先分析了我国汽车消费贷款现状,其后构建了汽车消费信贷风险测度模型,最后对模型进行了应用。

due to short time of development and the faultiness of correlative law and system of credit, the risks of auto consuming credit inereased sharply. Therefore, we should establish a set of auto consuming credit risk prevention system to prevent and dissolute its risks effectively.Based on existing theoretical research accomplishments of consuming credit and consuming credit risk management, adopting normative and positive analyses method, this thesis, first of all, analyzes situation of China＇s auto consuming credit; secondly, constrncts measurement model of auto consuming credit; finally, puts it into practise.