汽车贷款在我国发展现状及风险控制探讨  

作　　者：雷蕾[1] 

机构地区：[1]北京对外经济贸易大学,北京100055

出　　处：《现代物业（中旬刊）》2009年第6期29-31,共3页Modern Property Management

摘　　要：汽车消费贷款在国外已经过近百年的发展,并成为个人消费贷款中的支柱产品,它不仅增加了金融机构的利润,还把汽车工业和消费市场紧密地联系在一起,为两者的高速发展提供了强大的动力。但是,汽车消费贷款在我国还处于起步阶段,它在我国的现状是怎样的?存在着什么问题?面临的风险和解决的办法有哪些?为此,笔者对汽车贷款在中国的发展现状进行了研究,并对该项业务的风险控制和管理进行了探讨。After about hundred years’development,the personal vehicle consumes loan has become the most important part of Personal comprehensive consumer loans.It not only increases the margin for finance companies,but also connect the vehicle industry with consumer market.It makes a great contribute to the national economy fast growing.However,the personal vehicle consumes loan is still a new and fresh thing in china,how's the development during those years? That's problems does it has? And how to settle down those questions? With those doubts,the writer makes a research about the development of Personal vehicle consumes loan in china and discuss some method of risk control.

关 键 词：汽车消费贷款 商业银行 汽车金融公司 风险控制 

分 类 号：F832.4[经济管理—金融学]