中国汽车金融服务发展中面临的问题与对策

汽车金融服务是汽车业发展过程中不可缺少的组成部分。从汽车金融服务主体、业务范围、资金渠道、面临的风险等方面出发,分析了我国汽车金融服务体系中存在的问题。从我国汽车金融发展的现状出发,提出了解决这些问题应采取的措施:建立以汽车金融服务公司为主的多元化的市场主体;扩大汽车金融公司的资金来源以增强资金实力;加强汽车金融服务个人信用体系的建设,具体包括建立个人资信档案登记制度,健全个人信用评估体系,建立个人信用担保制度,建立个人破产制度;进一步完善相关法律法规制度以保障和支持汽车金融服务的发展。

The Problems of Motor Financial Service in China and Solutions

There are several problems found in the motor financial service that is an integral part of developing China's automobile industry.Discusses the problems in view of the financial service provided and its business scope,funds source and the risks to face.Some measures are suggested to take as the solutions to the problems,i.e.,establish a multiproject market mainly for motor financial company;extend the capital source of the company to provide more funds for car buyers;strengthen the construction of personal credit system.Some concrete systems relevant to the motor financial service should be set up or perfected,including the registration of personal credit files,evaluation of personal credit,guarantee for personal credit and personal bankruptcy,with relevant laws and regulations and/or other legal systems improved further to support the motor financial service.