中国汽车消费信贷的研究.pdf

杨吉生012025156 中国汽车消费信贷研究 ABSTRACT Since 1990s．in order to stimulate the consuming and the economic improvement．China government put mole emphasis on the automObile industry．Our govemment expects to increase automobile consuming under the support of government policies．and through the growth of automobile industry pull up the whole domestic economies as a result． We start to promote the car-loan program from 1999．though our government，banks．and automobile manufactures alI give their fuIly support in this program，the influence to pull up the economies is not as we expected．A nation-wide investigation shows that in 2001 there are only 6％new buyers used credit service for the consuming．The totaI amount for the car-loan lssue of sevefaI sfate-owned commerCiaI banks is less than ten billion RMB．which iS far below the level of developed countri鹊． Then what is the。bottle neck。of China’s cer-loan program?This article means to find out the financiaI causes which obslade the development of car-loan program．The author also gives out some suggestions to this program with the hope of realizing the goal of pulling—uD the economies． The article mainly describes and analyzes the consume credit situation in automobile market．It has 4 major parts： 1。part：explained the necessaries of providing car-loan program 2”∞rt：introduced the development and problems about the car-loan program in 3 factors：customer needs，supply and external environment．Then expatiated the cer,-loan models in detail． 3埘Part：according to the facing problems and“bottle neck”．proposed my suggestions and solutions both in micro and macro situation． 2 杨吉生012025 156 中国汽车消费信贷研究 1引言 20世纪90年代以来，中国一直将支持汽车产业的发展作为推动经济发展的 增长点。进入2l世纪，在“十五”计划中又将汽车工业列为国民经济发展的支 柱产业之一。 正是在这种背景下，各家商业银行密切关注着汽车产业的发展，并按照银企 合作，优势互补的原则，纷纷推出面向最终用户的汽车消费信贷和以向汽车经销 商提供周转车融资为核心的汽车销售金融服务网络。但直到现在，这种信贷消费 方式在我国仍处于蹒跚起步阶段，带有很大的尝试性。 另外，中国已加入WTO，根据关贸协定，中国将允许设立外资非银行金融机 构提供汽车消费信贷业务，享受中资同类金融机构的同等待遇：外资银行可在加 入WTO后5年内向中国居民个人提供汽车信贷业务。而外姿汽车金融公司进入中 国汽车消费市场，势必将改变市场中竞争方式和格局。 那么，汽车