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论文编号：	12807
作者编号：	2320190644
上传时间：	2021/12/9 13:25:44
中文题目：	汽车金融风控业务的信息化建设研究 ——以Y公司为例
英文题目：	Research on Informatization of Automobile Financial Risk Control ——Take Company Y as an Example
指导老师：	张国萍
中文关键字：	汽车金融；大数据；风控系统
英文关键字：	Auto-loan；Big Data；Risk management
中文摘要：	近些年，中国汽车销量和保有量呈爆发性增长态势，汽车几乎成为现代家庭的必需品，庞大的汽车需求量和保有量，带来了规模庞大的汽车金融市场，无论是购车分期、汽车融资租赁、还是车辆抵押贷款，市场规模在过去的十年中都呈倍数增长。在2013年前后，随着互联网新模式的出现，现有行业与创新模式相融合，截至到2019年，我国汽车金融市场总体规模达到约1.8万亿元，汽车金融市场在激烈竞争的市场条件下逐渐形成多元竞争格局，行业日益走向成熟，但和国外市场相比，仍有较大的市场提升空间，行业前景十分可观，而且在国际双循环、国内大循环的背景下，扩大内需、刺激消费依然是政府制定政策的主要方向，汽车金融行业有望在此政策背景下迎来又一轮政策红利期。 汽车金融业务本质依然属于金融业务，金融业务的核心是风险管控，这已经是行业共识，而一套行之有效的风控系统可以有效降低潜在风险，传统的主要依赖人工和金融属性数据进行风控的模式，在当下显得越来越来力不从心，大数据和人工智能等信息技术在风控领域的应用，可以使企业不仅将金融属性数据、结构化数据纳入到信用评级中，还可以将更多的非金融属性数据、非结构化数据纳入到风控逻辑中，这很大程度上提高了企业风险管控能力。 作者所在的汽车金融公司是一家经营购车分期、汽车融资租赁、车辆抵押贷款的互联网平台，车辆抵押贷款是业务构成的主要部分，产品对标平安银行的平安好贷，资金来源有自有资金、机构资金。在此之前公司尚未有一套完整有效的信息化风控业务系统，很多业务和数据的处理依然是传统模式下靠各个部门进行人工管理、沟通，部分业务进行了信息化，但是信息化程度远远不能满足业务需求，业务处理能力严重受限，规模扩张受到影响，传统主要依赖于人工、纸质报表、金融属性数据的风控模式在大业务量下已经无法满足发展要求，且在授信审核、反欺诈、多头授信、贷后管理、车辆监控等风险管控上有诸多问题点，这也是汽车金融行业中的亟待解决的事情，为了解决上述问题，将传统汽车金融风控业务信息化，作者主导建设了一套信息化汽车金融风控业务系统。
英文摘要：	In recent years, China's automobile sales and ownership have shown an explosive growth trend. Automobile has almost become a necessity for modern families. The huge automobile demand and ownership have brought a large-scale automobile financial market. Whether it is car purchase stages, automobile financial leasing or vehicle mortgage loan, the market scale has increased exponentially in the past decade. Around 2013, with the emergence of the new Internet model and the integration of existing industries with innovative models, by 2019, the overall scale of China's auto finance market has reached about 1.8 trillion yuan. Under the fierce competition market conditions, the auto finance market has gradually formed a diversified competition pattern, and the industry is becoming more and more mature. However, compared with foreign markets, there is still much room for market improvement, The prospect of the industry is very considerable. Under the background of international double cycle and domestic large cycle, expanding domestic demand and stimulating consumption are still the main direction of the government's policies. The auto finance industry is expected to usher in another round of policy dividend period under this policy background. The essence of auto finance business still belongs to financial business, and the core of financial business is risk control, which has been an industry consensus. An effective risk control system can effectively reduce potential risks. The traditional model of risk control mainly relying on manual and financial attribute data is becoming more and more inadequate at present, The application of information technologies such as big data and artificial intelligence in the field of risk control can enable enterprises to include not only financial attribute data and structured data into credit rating, but also more non-financial attribute data and unstructured data into risk control logic, which greatly improves the ability of enterprise risk control. The auto finance company where the author works is an Internet platform engaged in car purchase installment, auto financial leasing and vehicle mortgage loan. Vehicle mortgage loan is the main part of business composition. The products are standard ping an good loan of Ping An Bank, and the sources of funds include self owned funds and institutional funds. Before that, the company has not yet had a complete and effective information-based risk control business system. Many businesses and data processing are still managed and communicated manually by various departments under the traditional mode, and some businesses have been informatization. However, the informatization degree is far from meeting the business needs, the business processing capacity is seriously limited, and the scale expansion is affected, The traditional risk control model, which mainly relies on manual, paper reports and financial attribute data, has been unable to meet the development requirements under large business volume, and has many hard injuries in risk management and control such as credit audit, anti fraud, multi head credit, post loan management and vehicle monitoring, which is also an urgent problem to be solved in the automotive finance industry. In order to solve the above problems, Based on the informatization of traditional automobile financial risk control business, the author led the construction of an informatization automobile financial risk control business system.
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