浅析个人汽车消费贷款的风险防范  

Some Recommendations on Risk Management on Car Loans

作　　者：朱大鹏[1] 张俊普[1] 

机构地区：[1]中国银行河南省分行,河南郑州450003

出　　处：《安阳师范学院学报》2003年第1期106-108,共3页Journal of Anyang Normal University

摘　　要：我国的汽车消费贷款市场启动于1998年,与长期推行的公司贷款相比,起步较晚,可供借鉴使用的经验做法不足,是一种新的授信领域。本文试从办理个人汽车消费贷款应注意的有关问题出发,谈当前我行如何把握市场风险,规范操作手续,积极促进信贷业务的良性发展。The car loan market in our country is now in its infancy, since it has just started to develop since 1998 and we have little experiences to draw on. The author made a preliminary study about risk management in this new credit business area, and listed several recommendations for banks to control relevant risks and set up operational procedures, which could lay a solid foundation for healthy development of this new business.

关 键 词：中国 个人汽车消费贷款 市场风险 风险防范 贷款风险 贷款投放 汽车经销商 

分 类 号：F832.479[经济管理—金融学]