我国个人汽车消费贷款的风险评估研究

An Assessment of the Risks of China's Bank Loans for Funding Personal Automobile Purchasing

由于缺乏完善的信用体系,我国个人汽车消费贷款的风险很大,这就要求相关银行或担保公司具有快速有效评价汽车消费贷款违约风险的能力.为此,论文结合某担保公司个人汽车消费贷款的实际,提出了评价此类风险的指标体系,并应用层次分析法确定各项指标的权重,最后用模糊综合评价给出个人汽车消费贷款的担保评价.其结果不仅符合若干担保实践案例,也使风险评估流程具有可检验、可借鉴等快速有效的特征,满足未来消费贷款申请量不断增大时风险评估的需要.

Owing to the absence of a well-developed credit system,the bank loans for funding personal automobile purchases carry great risks.Thus related banks and guarantee companies should possess the ability to quickly and effectively assess the risks of defaulting on car payments.This paper,by taking into account the actuality of a car loan guarantee company,proposes an index system for assessing car loan risks and determines the weight of various indexes using the Analytic Hierarchy Process.The system conforms well to a number of car loan guarantee cases and can be applied to risk assessment processes quickly and effectively and can meet the demand for risk assessment of increasing car loans.