汽车合格证质押融资行为分析  

作　　者：鹿作刚[1] 张波[2] 

机构地区：[1]淄博职业学院 [2]山东理工大学法学院

出　　处：《企业经济》2011年第4期156-158,共3页Enterprise Economy

摘　　要：通过汽车合格证质押融资早已成为汽车经销行业的"潜规则"。操作得当,往往使汽车生产厂家、汽车经销商以及授信银行甚至连同担保公司同时起到利益共盈的局面,然而这一利益均沾的背后,却往往是以牺牲消费者的利益为代价的。一旦经销商资金链断裂或将资金挪作他用,势必引起连锁反应,并最终导致授信银行信贷资金损失,不可避免的严重侵害到消费者的利益。因此,应采取完善相应立法、进一步加大对汽车经销商经营行为的监管力度等措施,规范当前单纯利用汽车合格证质押融资、防止侵犯消费者合法权益的行为。It is a ＂hidden rule＂to finance with mortagaging the car qualification in car marketing industry.Car producers and car dealers,as well as trusted banks,and even bonding companies benefit from the transactions if it is operated properly.However,behind the interest sharing,it is frequent at cost of customer interest.Once the dealer capital chains break or the capital is used for other business,which will result in ripple effects and eventually caused the loss of the trusted banks interests,and inevitably damage customer interests.Therefore,it is imperative to take measures of improving legislation,further strengthening surveillance on car dealer performance to standard behaviors of just using car qualification mortagaging the financing so as to prevent consumers＇ legal interest from damage.

关 键 词：汽车合格证质押 融资 防范措施 

分 类 号：F830.571[经济管理—金融学]