我国汽车消费贷保证保险的前景探析.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 ri