A汽车金融公司智能化信贷风险控制研究

A汽车金融公司智能化信贷风险控制研究摘要经济的发展带动了传统汽车行业的发展，同时消费者的消费习惯也呈现出新的偏好。当前越来越多的传统汽车企业都配合了对应的汽车金融公司为其发展提供强有力的金融支持，以实现传统汽车业务的有效开展。本研究以我国具有代表性的汽车金融企业A汽车金融公司为研究对象，在当前学术界的研究成果以及有关理论的基础上，梳理了当前A汽车金融公司的现状以及主要面临的风险和产生风险的原因。进一步的以蚂蚁金服作为当前智能化风控业务开展较好的参考性企业，总结出蚂蚁金服对A汽车金融公司智能化信贷业务开展的启示，进一步地针对性的为A汽车金融公司提出四大方向的风控策略，最后利用实际的放贷规模、放贷额度、逾期率和不良率四大指标作为支撑进一步说明智能化风控系统和业务的开展对A汽车金融公司的影响，以此为A汽车金融信贷企业甚至其他金融公司的发展起到一定的参考。关键词：汽车金融：智能化：信贷风控；蚂蚁金服：提升对策AbstractThe development of the economy has driven the development of the traditionalautomobile industry,and at the same time,the consumption habits of consumers havealso shown new preferences.At present,more and more traditional auto companiescooperate with corresponding auto finance companies to provide strong financialsupport for their development,so as to realize the effective development of traditionalauto business.This study takes my country's representative auto finance company AAuto Finance Company as the research object.On the basis of the current academicresearch results and related theories,it sorts out the current status of A Auto FinanceCompany and its main risks and risks.s reason.Further,taking Ant Financial as agood reference company for the current intelligent risk control business,summed upthe enlightenment of Ant Financial on the development of the intelligent creditbusiness of A Auto Finance Company,and further put forward targeted suggestionsfor AAuto Finance Company.Risk control strategies in the four directions,and finallyuse the actual loan scale,loan amount,overdue rate and non-performing rate assupport to further illustrate the impact of the development of intelligent risk controlsystem and business on A auto finance company,in order to provide A Thedevelopment of auto finance and credit enterprises and even other financial companieshas played a certain reference.Key words:auto finance;intelligence;credit risk control;Ant Financial;improvement strategies目录摘要Abstract.…目录第1章绪论.1.1选题背景、目的和意义.1.2研究综述31.3研究思路与研究方法..6第2章智能化与信贷审批风险控制基本概念.92.1基础理论概述.92.2智能化风险控制概述112.3信贷风险控制管理15第3章A汽车金融公司信贷风险控制管理发展现状及问题成因203.1A汽车金融公司简介…203.2A汽车金融公司信贷风险控制管理概况..233.3A汽车金融公司风险控制存在的问题及原因分析.26第4章蚂蚁金服智能化风险控制案例分析.314.1蚂蚁金服智能化风险控制对策314.2蚂蚁金服智能化风险控制的启示…33第5章A汽车金融公司信贷智能化风险控制策略.385.1智能化信贷智能化风险控制整体规划.385.2确立智能化风险控制的基本原则.….405.3强化智能化信贷风险数据采集能力.425.4增添智能化信贷风险控制管理的应对方法44第6章A汽车金融公司智能化风险控制实施前后运营绩效对比…476.1放贷规模与放贷额度分析对比.….476.2逾期率与不良率对比分析.52第7章结论与展望..60