我国汽车消费贷款保证保险前景探析.docVIP

我国汽车消费贷款保证保险的前景探析 Analysis on the prospect of Chinese automobile consumption loan guarantee insurance 摘要：我国汽车消费贷款保证保险（车贷险）开办于1998年，短期内得到迅猛发展，过快的膨胀中却蕴含了诸多问题，导致车贷险亏损严重，到2004年保监会叫停车贷险，对车贷险市场进行整顿。目前保监会又发布了《关于促进汽车消费贷款保证保险业务稳步发展的通知》，将发展车贷险做为积极扩大内需，促进车辆消费的重要保障举措。本文回顾了我国汽车消费贷款保证保险的发展过程，分析了汽车消费贷款保证保险中的问题，并针对车贷险市场存在的缺陷提出了现阶段发展我国车贷险建议，以助于促进我国汽车产业持续、健康、稳定发展。 关键字：消费贷款 保证保险 个人征信 Summary：Chinese automobile consumption loan guarantee insurance (car loan insurance) was opened in 1998, a swift development in a short term, but contains a lot of problems in the too-rapid expansion, which resulting in car loan risks serious losses. By 2004, China Insurance Regulatory Commission halted car loan insurance, to rectify the car loan insurance market. Currently，Insurance Regulatory Commission issues to promote steady development of automobile consumption loan guarantee insurance business notification, which is important guarantee for actively expanding domestic demand and promoting vehicle consumption. This article reviewed the process of development of Chinese automobile consumption loan guarantee insurance, analyzed the problems of automobile consumption loan guarantee insurance, defects for the car loan insurance market and make recommendations for the current stage of the development of our car loan insurance, to help promote sustainable, healthy and stable development of Chinas automobile industry. Keyword：Consumer loans Guarantee insurance Personal credit 为积极应对金融危机，拉动国内消费需求，国务院发布了《当前金融促进经济发展的若干意见》和《汽车产业调整和振兴规划》，将促进我国汽车产业持续、健康、稳定发展作为积极应对金融危机的救世方案的重要内容之一，为了更好的贯彻其精神，商务部联合保监会及相关部委又下发了《关于促进汽车消费的意见》，保监会于2009年6月5日向各财产保险公司，中国保险行业协会下发《关于促进汽车消费贷款保证保险业务稳步发展的通知》，将稳步发展汽车消费贷款保证保险业务作为保险业积极促进国内汽车消费的一项重要举措。汽车消费贷款保证保险便是保证汽车消费市场有序进行的一项重要保障。 As an active response to the financial crisis, boost domestic consumer demand, the State Council issued the current financial opinions and of promoting the economic development of the auto industry restructuring and revitalization plan. These will p