商用汽车金融:模式多,空间大  

More Suitable than Better:Discussion and Consideration of Truck Loan of Commercial Vehicles Market

作　　者：商彦章[1] 

机构地区：[1]《商用汽车》编辑部

出　　处：《商用汽车》2012年第3期57-59,共3页Commercial Vehicle

摘　　要：自1998年中国人民银行发布《汽车消费信贷管理办法》以来，经过最初的迅猛增长、2004年国内汽车业信贷危机爆发之后的低迷与调整、近几年的回暖与提升，中国汽车金融在曲折的道路上渐渐迎来了春天。特别是中重型商用汽车受价格、生产资料性质、用户支付能力等因素的影响，采用分期付款的比例比乘用车高得多。In 2011,the central bank issued a series of financial regulations,such as raising interest rate and deposit reserve ratios,decreasing capital asset investment and straining finance,etc.so that heavy-duty truck companies,dealers and finance service companies put great effort for limited financial resources.On 2012 Business conference,all companies attached much importance to the sector of finance service,which probably would speed up the new development of finance service of commercial vehicle market,and provide more options for customers in purchasing vehicles through truck loan and other finance service.This article listed out a variety of truck loan models for reference.

关 键 词：重型商用汽车 金融 中国人民银行 空间 信贷管理 汽车消费 生产资料 支付能力 

分 类 号：U463.212[机械工程—车辆工程]