汽车金融公司监管法律问题的研究.pdf

内)监管法律制度和体系方面存在着诸多的缺陷，如法律法规不健全，监管制度 很不完善等。应当吸收借鉴西方发达国家的经验，对现有的法律法规加以修订和 完善，同时加快诸如《国家征信法》等新法的制订，完善法律法规，健全监管体 制。 当然，监管法律问题是复杂性的、综合性的，必须全面性的加以考虑和解决。 公司本身的问题是内因，社会环境、法律环境等公司之外的问题是外因。“内因 是根本，外因是条件”，唯有内外监管措施的有机结合，方是解决问题的最佳所 在。 全文共有五章组成。第一章主要介绍了汽车金融公司的定义、发展历程、对 其监管的必要性和意义以及监管的主要法律问题。第二章从公司设立的主体资格 和注册资本两方面分析了我国在汽车金融公司市场准入方面存在的不足并提出 了立法的修改建议；第三章探讨我国公司法人治理制度存在的缺陷以及如何完善 汽车金融公司的法人治理；第四章着重研究汽车金融公司在信贷风险控制方面的 问题与对策，从信贷合同、信贷担保和信贷诚信三个方面加以分析。第五章分析 我国在汽车金融公司乃至整个金融行业的监管制度和体系方面存在的问题，提出 了完善监管的若干建议。 关键词： 汽车金融公司 风险控制 征信体系 监管 ABSTRACT With the issuing and enforcing of“the management regulation of the automobile financial company”and “the rule for implementation of the management reguLation for the automobile financial company” in our country．the domestic financial company of automobile have been set up and run successively．But because of just starting，They shoulder heavy responsibilities and they will have long way to go．so how to control the risk and ensure to development healthily and fast have become the urgent important problem day by day． No doubt，the risk which the finaneial company of automobile faces i s numerous and complicated．and the question that its controlling ievolves is varied，too．But the problem of the 1aw is the base among them． I sel ect several main legal questions of controlling the risk for the automobile finaneial company as the subject for researching in my graduation thesis．I have taken the methods whieh systemic analysis． compare and conclude．authentic proof to research，On the basi s of a large amount of company which is in five sides of the market accessing，internal legal person controlling，finance contract and guarantee，the national credit information system and financial supervisory system．To these questions，proceed from reality of our country，through comparing and referring the successful experlances in these respects of various countries．I have put forward the corresponding countermeasures． I think：Carry on and want effective supervision to the financial compa