汽车消费贷款风险控制的智能化研究  

Research on Intelligent Risk Control of Automobile Consumer Loans

作　　者：孙可可 SUN Keke(Kewen College,Jiangsu Normal University,Xuzhou,China,221000)

机构地区：[1]江苏师范大学科文学院人工智能与软件学院软件工程系,江苏徐州221000

出　　处：《福建电脑》2023年第9期1-7,共7页Journal of Fujian Computer

摘　　要：汽车消费贷款时,人工审批不仅耗费时间长,而且易受个人主观因素的影响。为了防范金融机构面临的潜在不良贷款风险,有必要对该过程实现智能化管理。本文研究了汽车消费贷款的风险评估指标体系,并采用Logistic回归建立了风险控制模型。实验结果表明,本文设计的汽车消费贷款风险评估模型对于不良贷款具有良好的判别效果。When it comes to car consumption loans,manual approval not only takes a long time,but is also easily influenced by personal subjective factors.In order to prevent potential non-performing loan risks faced by financial institutions,it is necessary to implement intelligent management of this process.This article studies the risk assessment index system of automobile consumer loans and establishes a risk control model using logistic regression.The experimental results indicate that the risk assessment model for automotive consumer loans designed in this article has good discrimination effect on non-performing loans.

关 键 词：汽车消费贷款 风险控制 LOGISTIC回归 

分 类 号：TP39[自动化与计算机技术—计算机应用技术]