我国汽车信贷机制的缺陷及前景研究

汽车信贷是指金融机构对汽车贷款对象发放的、用于购买汽车款项及相关费用的贷款,是社会大宗商品销售和金融经营手段发展到一定水平的产物。我国汽车信贷始于上世纪末,作为市场经济下利用信贷手段促进汽车消费、拉动经济发展的手段,成为金融机构的一项重要新型资产业务。本文分析了我国汽车信贷运行机制的缺陷并提出了相应对策。

DEFECTS IN THE MECHANISM OF CAR CREDIT AND ITS PERSPECTIVE IN CHINA

Car credit is defined as a loan that is provided to the loaneee for purchasing cars by the loaner. It is the result of the development of bulk buying goods and of financial instruments for marketing. Car credit, an incentive method to stimulate car consumption with the ground of market economy, came into being in the late 20th century in China. Nowadays is has become an original and important asset business for financial organizations. This paper analyzes the defects in the mechanism of car credit present current in China and offers some countermeasures to overcome them.