汽车消费信贷风险对策

本科论文摘 要随着我国经济的不断发展，汽车消费信贷受到了广大的消费者的青睐和追求，从而汽车消费信贷业务便在我国得到了快速的发展。但是随着这种业务的不断推广，越来越多的风险隐患也随即出现。首先，本文通过论述汽车消费信贷、汽车消费信贷风险以及相关理论来讲述汽车消费信贷风险本身。其次，分析汽车消费信贷存在的风险以及产生的原因，从而可以进一步知晓汽车消费信贷风险的影响因素。再次，研究汽车消费信贷风险的现状并且对国内外的汽车消费信贷模式进行对比，从而对我国汽车消费信贷风险有了更加直观和深入的了解。最后，对我国现存的汽车消费信贷风险从管理体系、经销商行为、管理模式以及法律法规四个方面提出应对策略以便更好的降低我国的汽车消费信贷风险，减少损失发生的可能性。关键字：汽车消费信贷，风险，对策本科论文AbstractWith the continuous development of China's economy, automobile consumer credit has been favored and pursued by the majority of consumers, so automobile consumer credit business has been developed rapidly in China. But with the continuous promotion of this business, more and more risks and hidden dangers appear.Firstly, the automobile consumption credit risk is researched by discussing the automobile consumption credit, automobile consumption credit risk and related theories in this paper. Secondly, the risks and causes of the automobile consumption credit are analyzed to further understand the influencing factors of automobile consumption credit risk. Thirdly, the paper studys the current situation of automobile consumption credit risk and compares the domestic and foreign automobile consumption credit models, so as to have a more intuitive and in-depth understanding of automobile consumption credit risk in China. Finally, the paper puts forward countermeasures from four aspects: management system, dealer behavior, management mode and laws and regulations to reduce the risk of automobile consumption credit and the possib...