【摘要】：摘要：近年來,汽車金融公司作為專業(yè)的提供汽車消費(fèi)信貸服務(wù)的機(jī)構(gòu)開始在國內(nèi)金融市場上逐漸出現(xiàn)和成長。自2004年國內(nèi)首家汽車金融公司——上汽通用汽車金融公司成立以來,截止2012年年底,已經(jīng)陸續(xù)成立了16家汽車金融公司。但由于我國個(gè)人信用體系的不健全、法律法規(guī)的不完善、缺乏專業(yè)的汽車消費(fèi)信貸人才等因素,汽車金融公司缺乏有效的風(fēng)險(xiǎn)管理和控制體系,風(fēng)險(xiǎn)問題成為影響和制約我國汽車金融公司健康持續(xù)發(fā)展的瓶頸,信用風(fēng)險(xiǎn)顯得尤為突出。 本文首先介紹了我國汽車金融公司信貸風(fēng)險(xiǎn)的成因,從國家宏觀經(jīng)濟(jì)政策、經(jīng)濟(jì)周期波動(dòng)、市場競爭、社會(huì)環(huán)境因素等四個(gè)方面分析了信貸風(fēng)險(xiǎn)形成的外因,從內(nèi)部員工的風(fēng)險(xiǎn)識別能力、公司內(nèi)部風(fēng)險(xiǎn)管控系統(tǒng)分析了信貸風(fēng)險(xiǎn)形成的內(nèi)因。另外,運(yùn)用博弈模型對汽車金融公司信貸風(fēng)險(xiǎn)形成過程進(jìn)行了簡單展示,并說明信用風(fēng)險(xiǎn)是信貸風(fēng)險(xiǎn)管理的重點(diǎn)。然后,本文通過對信貸風(fēng)險(xiǎn)度量模型和數(shù)據(jù)可得性進(jìn)行分析比較后,選擇運(yùn)用Logistic回歸模型對汽車金融公司的信貸風(fēng)險(xiǎn)影響因素進(jìn)行實(shí)證分析,以信貸客戶的個(gè)人信用作為研究對象,信貸客戶的個(gè)人資料作為數(shù)據(jù)基礎(chǔ),通過SPSS軟件的分析,得出與信貸違約率顯著相關(guān)的因素。此外,本文以三一汽車金融公司為例進(jìn)行案例分析,對其信貸業(yè)務(wù)和信貸風(fēng)險(xiǎn)管理進(jìn)行介紹,并提出可供借鑒的參考意見。最后,依據(jù)汽車金融公司信貸風(fēng)險(xiǎn)的成因、信貸風(fēng)險(xiǎn)類型和實(shí)證研究結(jié)果提出了信貸風(fēng)險(xiǎn)管理的對策。
[Abstract]:Absrtact: in recent years, auto finance companies, as professional institutions providing auto consumer credit services, have gradually emerged and grown in domestic financial markets. Since the establishment of SAIC General Motors Finance Company, the first auto finance company in China in 2004, 16 auto finance companies have been set up by the end of 2012. However, due to the imperfect personal credit system, the imperfect laws and regulations, the lack of professional auto consumption credit personnel and other factors, auto finance companies lack an effective risk management and control system. The risk problem has become the bottleneck which affects and restricts the healthy and sustainable development of automobile finance companies in our country, and the credit risk is especially prominent. This paper first introduces the causes of credit risk of auto financing companies in China, and analyzes the external causes of credit risk formation from four aspects: national macroeconomic policy, economic cycle fluctuation, market competition, social environmental factors, etc. From the risk identification ability of internal employees, the internal risk control system analyzes the internal causes of the formation of credit risk. In addition, the paper uses the game model to show the forming process of credit risk of automobile finance company, and explains that credit risk is the key point of credit risk management. Then, after analyzing and comparing the credit risk measurement model and the data availability, we choose to use the Logistic regression model to analyze the influencing factors of the credit risk of the automobile finance company. Taking the personal credit of the credit customer as the research object and the personal data of the credit customer as the data base, the factors related to the credit default rate are obtained by the analysis of SPSS software. In addition, this paper takes Sany Automobile Finance Company as an example to analyze its credit business and credit risk management, and puts forward some suggestions for reference. Finally, according to the causes of credit risk, the types of credit risk and the results of empirical research, the countermeasures of credit risk management are put forward.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.39

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