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汽车融资租赁业务客户风险评价研究

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随着经济的快速发展和社会的进步,汽车已经成为当前人们出行和生活中不可或缺的一部分.由于一些汽车价格比较高昂,消费者可能无法一次性支付全款,因此,汽车融资租赁业务应运而生.这种模式允许消费者缴纳最低的首付获得车辆,并以分期付款的方式偿还剩余的债务,而且形式新颖,备受年轻群体青睐.然而,虽然汽车融资租赁业务十分广泛,但也带来了相应的客户风险.基于此,文章探讨了汽车融资租赁业务客户风险评估的重要性等相关内容,构建了客户风险评估模型,旨在给行业人员提供参考.
Research on Customer Risk Evaluation of Auto Finance Leasing Business
With the rapid development of economy and social progress,cars have become an indispensable part of people's travel and life.Due to the high price of some cars,consumers may not be able to pay the full payment at one time,so the auto finance leasing business has emerged.This model,which allows consumers to pay the minimum down payment on the vehicle and to repay the remaining debt in installments,is favored by young people due to its new form.However,although the car finance leasing business is very extensive,it also brings the corresponding customer risks.Based on this,this paper discusses the importance of customer risk assessment of auto finance leasing business and other related contents,and constructs the customer risk assessment model,aiming to provide reference for industry personnel.

auto finance leasing businesscustomer riskevaluation

赵千秋

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国泰租赁有限公司,山东 济南 250101

汽车融资租赁业务 客户风险 评价

2024

商业观察

商业观察

ISSN:
年,卷(期):2024.10(3)
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