中国汽车金融业发展现状与对策

中国汽车金融业发展现状及对策

院系：经济管理学院

专业班：xxxx

姓名：xxx

学号：xxxx

指导教师：韩颖

2013年5月

中国汽车金融业发展现状及对策Present Situation and Countermeasures of Auto Finance Industry Development in China

摘要

目前随着我过汽车产业的快速发展，产能过剩与有效需求不足的矛盾突出的产生摆着了我们的面前。如何解决矛盾，这就成为制约我过汽车产业继续向前发展的关键问题。在此背景下，汽车金融这个全新的理念就脱颖而出了。

本文按照以下顺序研究展开：第一部分是绪论，包括第一节介绍汽车金融服务的起源和发展、汽车金融服务的相关概念。第二章包括第二节和第三节，对比分析国外汽车金融业发展方式对制约我国汽车金融服务业发展的原因进行剖析；第三章基于国外发展方式的比较，分析得出我国汽车金融业发展的现状和问题。第四章参照发达国家汽车金融服务发展的经验，提出汽车金融发展的对策，包括改善汽车金融市场环境、发展其盈利模式、拓展其融资方式等；最后一部分是本文的结论与展望。

关键词汽车金融交易成本个人信用

Abstract

Presently, with the rapid development of china’s automobile industry, the problem of production overcapacity and insufficient effective demand prominently placed in front of us .How to resolve this contradiction has become the key problem on the further development of the automotive industry. On this back ground , automobile finance ,this brand-new idea has fully exposed talent.

This essay launches research according to the order as follows; the first part is an introduction ,including first chapter ,introduces the origin and development of the automobile finance service .The second part including second chapter and the third chapter, based on the contrast analysis the including second chapter and the third chapter ,analyses the development status and mutual relevance of the Chinese automobile industry and automobile finance service industry ,and the constraints on the development of automobile finance service industry and automobile finance service industry ,the third part including the four chapter ,he third part including the fifth chapter, carries on the analysis industry ,find out the reasons and summarize the restriction factors in the development of the Chinese automobile financial service industry the fourth part including the fifth chapter , according to the questions which exists in Chinese automobile finance service ,proposed the countermeasure to the Chinese automobile finance development, which including the improve the automobile money market environment ,develop its profit pattern ,expand its financing way .the part Last is the conclusion and forecast of this essay.

Key word: automobile finance transaction cost personal credit

目录

摘要 ................................................................. I Abstract ............................................................. II 绪论 (1)

1 汽车金融服务发展起源与相关概念 (2)

1.1汽车金融服务的起源与发展 (2)

1.2汽车金融服务的基本概念 (3)

1.2.1 汽车金融的服务方式 (3)

1.2.2 汽车金融风险管理与控制 (3)

1.2.3 汽车金融服务的资金来源 (3)

2 我国汽车金融服务业发展现状 (5)

2.1汽车金融服务业处于起步阶段，发展较为滞后 (5)

2.2商业银行仍然处于汽车金融市场的主导地位 (5)

2.3汽车金融公司发展势头良好 (6)

3 中国汽车金融业发展过程中的问题分析 (8)

3.1相关法律，相关制度不健全 (8)

3.2个人信用体系不健全，放贷机构坏账率很高，惜贷严重 (8)

3.3汽车金融机构优势未能充分发挥 (9)

3.4汽车消费信贷金融服务融资模式过于单一 (10)

4 中国汽车金融服务发展对策研究 (11)

4.1改善中国汽车金融服务业发展环境 (11)

4.1.1 完善与汽车金融发展密切相关的制度 (11)

4.1.2 改善与我国汽车金融服务发展有关的消费环境 (12)

4.2强化汽车金融服务机构角色定位，发挥汽车金融公司优势 (13)