中外汽车金融业务的发展模式对比研究

中外汽车金融业务的发展模式对比研究摘 要随着时代的发展，汽车金融已成为仅次于房地产金融的第二大个人金融业务然而我国的汽车金融业务发展与发达国家的汽车金融业务发展程度相比，我国还有很多困难需要克服，很多问题也开始显露，因此我国汽车金融业务要想稳进发展可以借鉴国外的先进理论研究。 从另一个方面来说，我国的汽车金融业有着非常好的发展前景，汽车时代正在快速发展,在汽车金融服务领域已经对外开放的状况下，研究中外汽车金融及进行对比分析，借鉴国外的先进经验，具有现实的意义。本文综述了汽车金融的研究背景和意义，以及发展汽车金融的作用以及汽车金融的相关概念和理论基础。在此基础上，分析比较了国内外汽车金融业的发展现状、主体、服务模式分类、系统环境、特点和发展前景。在此基础上，提出了促进我国汽车金融发展的建议，并得出了本文的结论。关键词：汽车金融；比较研究；发展策略AbstractAlong with the development of the era, auto financing has become the second to the real estate finance, personal finance business, however, China's auto financing business development compared with the developed countries of auto financing business development degree, and there are many difficulties need to overcome in our country, many problems are beginning to show, so the auto finance business to stable development of our country can draw lessons from foreign advanced theories. On the other hand, China's auto finance industry has a very good development prospect, and the auto era is developing rapidly. Under the situation that the auto finance service field has been opened to the outside world, it is of practical significance to study the auto finance in China and foreign countries and make comparative analysis, and learn from foreign advanced experience.This paper summarizes the research background and significance of automobile finance, the role of developing automobile finance and the related concepts and theoretical basis of automobile finance. On thi...