汽车金融服务发展的约束条件及路径分析榴.docVIP

汽车金融服务发展的约束条件及路径分析 摘要:汽车金融在西方发达国家已经是一个十分成熟的行业，但是对我国消费者来说汽车金融还是一个比较陌生的概念。所谓汽车金融，就是指消费者在购买汽车需要贷款时，可以直接向汽车金融公司申请优惠的支付方式，可以按照自身的个性化需求，来选择不同的车型和不同的支付方法。在美国等发达国家，大多数人购车都是通过汽车金融机构，在我国，虽然我国的汽车消费与发达国家的消费水平相差不大，但是只有少部分人在购车时通过汽车金融机构来购买。导致这种情况发生的原因主要是我国消费者对汽车金融机构的不了解所造成的。 针对以上情况，本文首先分析了导致我国的汽车金融服务机构发展缓慢的约束条件：信用的缺失、政策条件的限制、较大的融资难度及消费习惯的差异等，并找到了克服这些约束条件的路径，例如：发展汽车行业、创立良好的信用环境等。通过本文，作者希望能让广大读者对汽车金融有个清晰地了解，并为我国的汽车金融行业的发展尽一份力量。 关键词：汽车金融消费信贷 The development of automotive financial services, constraints and path analysis Abstract In western developed countries, auto finance is a mature industry, but for Chinese consumer it is a strange concept. Auto finance is that when consumer needs some loan to buy a car, they can apply the preferential payment pattern from the auto finance company directly. They can accord their personal needs to choose the motorcycle type and the payment pattern they want. In the super developed countries, like USA, most of the consumers are through the auto finance agencies when they want to buy cars,but in China, although the consumptive level is almost the same, few consumers use this way. That was because in China most of the consumers have few understand about the auto finance. Commenting on this, this article analyzed the constraint conditions firstly, like: lack of credit, policy conditions, big difficulties of financing, and different consumptive habits. In this article also have the way to overcome those constraint conditions, for example, like: develop automotive industry, establish a good credit environment, and so on. Through this article, the author hope that consumers can have a clearly understand of auto finance, and also hope can resolve some difficulties in the development of Chinese auto finance industry. Key words: Auto Finance, Consumer Credit, Constraint Conditions 汽车金融在发达国家已经是一个十分成熟的产业，但是在中国只有少部分人知道汽车金融的含义及其作用。所谓汽车金融，就是指消费者在购买汽车需要贷款时，可以直接向汽车金融公司申请优惠的支付方式，可以按照自身的个性化需求，来选择不同的车型和不同的支付方法。对比银行，汽车金融是一种购车新选择。在中国汽车金融尚处萌芽阶段，汽车金融服务公司还存在信用约束、成本约