个人汽车消费贷款违约影响因素分析

发布时间：2018-01-26 08:05

本文关键词： 汽车消费贷款提前还款逾期还款 Logistic模型　出处：《征信》2017年01期 　论文类型：期刊论文

【摘要】：近年来我国汽车消费金融市场规模迅速增长,个人汽车贷款风险管理成为商业银行的关注热点之一。采用Logistic模型,分析汽车消费贷款提前还款违约和逾期还款违约的影响因素。结果发现:从个人特征维度上看,贷款者的体制背景、客户等级对提前还款违约具有显著的影响,对逾期还款违约没有显著影响。从贷款维度上看,享受利率优惠的贷款者具有更大的逾期(提前)还款可能性,而接受高利率的贷款者逾期(提前)还款的可能性更低。当央行利率变动时,汽车贷款利率的灵活调整可以显著地抑制提前还款违约的发生。从汽车品牌维度看,购买国外品牌汽车的贷款者更不容易发生逾期还款违约,但更容易发生提前还款违约,这可能与我国民众爱好"面子"有关。
[Abstract]:In recent years, the scale of automobile consumption financial market in our country has been growing rapidly, and the risk management of personal automobile loan has become one of the hot spots of commercial banks. Logistic model is adopted. From the perspective of personal characteristics, the author finds that the institutional background of the borrower and the customer grade have a significant impact on the prepayment default. There is no significant effect on the default of overdue repayment. From the perspective of loan dimension, the borrowers who enjoy the preferential interest rate have greater possibility of overdue repayment (prepayment). Borrowers who accept high interest rates are less likely to be late. When central bank rates change. The flexible adjustment of auto loan interest rate can significantly restrain the occurrence of prepayment default. From the perspective of automobile brand, borrowers who buy foreign brands are less likely to default on overdue repayment. But prepayment default is more likely to occur, which may be related to our people's love of face.
【作者单位】：闽南师范大学;西南财经大学;
【基金】：中央高校基本科研业务费专项资金资助(JBK1507K04)
【分类号】：F832.479;F426.471
【正文快照】： 尽管我国已经连续7年位居世界汽车产销量榜首,但汽车市场的整体金融渗透率并不高,2015年仅为35%[1]。与此同时,以汽车企业为主导的汽车金融业务仍面临着诸多压力[2],这为商业银行开展汽车消费贷款业务提供了重要机遇。基于山东省某商业银行的个人汽车消费贷款数据,本文探讨贷

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