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我国汽车消费信贷问题研究内容摘要: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... 我国汽车消费信贷问题研究
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
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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 promote the development of the automobile financing companies; relax consumer credit controls; establishing a personal credit appraisal system; improve the operation of motor insurance and credit guarantees to break the bottleneck, and so on. With a view to the auto industry and the financial industry the development of the auto industry chat modest way. Keywords : automotive consumer credit, mode, credit controls, personal credit appraisal system
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