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来源：百度知道 编辑：UC知道 时间：2024/06/03 05:46:15
内容摘要：本文通过对发达国家汽车消费信贷的发展研究，揭示发达国家汽车消费信贷发展的突出特点即：汽车信贷体系完善；市场利率下汽车消费信贷利率灵活；汽车消费信贷基石——社会信用体系完善；汽车保险和担保制度健全。笔者运用比较分析方法认为我国汽车消费信贷存在以下问题：汽车消费信贷体系不健全；汽车金融公司的融资渠道、业务范围和地域范围受到限制；汽车贷款利率受到管制；信用体系不甚完善个人信用制度不健全；担保和保险制度不完善。为此，笔者提出我国汽车消费信贷发展的思路：建立健全汽车消费信贷体系，大力促进汽车金融公司发展；放松消费信贷管制；建立个人信用评估体系；完善汽车保险运作并打破信用担保瓶颈等等。以期为我国汽车金融业及汽车产业的发展聊尽微薄之力。
关键词: 汽车消费信贷，模式，信贷管制，个人信用评估体系
Automobile Consumer Credit Research Summary : Based on cars developed the development of consumer credit, developed vehicle revealed the development of consumer credit outstanding features : auto perfect credit system; market interest rates of automobile consumption credit rate flexibility; Automobile Consumer Credit cornerstone -- sound social credit system; Automobile insurance and guarantee a sound system. Applying the comparative analysis method that China's auto consumption credit the following questions : auto consumption credit system is not perfect. automobile financing companies financing channels, scope of business and geographic scope be limited; car loan interest rates are under control; credit system is not perfect personal credit system is not complete; Guarantees and insurance system is flawed. Therefore, the authors propose Automobile Consumer Credit the idea of development : the establishment of a sound credit system for automobile consumption, vigorously promot