关于汽车金融业存在的问题及对策建议摘要伴随中国经济的高速发展，近年来，我国汽车行业也以前所未有的规模扩张，汽车的产量和销量均稳步增长。在全球汽车市场格局中的市场地位也得到了逐步提升。但是，相较于我国汽车行业的高产量与高销量，国内汽车金融业的发展相对缓慢，仍具有相当大的发展空间。因此，本文将从汽车金融业的相关概念入手，从政府相关的角度出发，主要利用文献研究法分析其现状以及存在的问题，提出拓宽融资途径，多样化金融服务主体，加强信用风险管理等的实质建议，希望对我国未来汽车金融业的发展有所理论意义。关键词：汽车金融；融资途径；服务主体；风险管理ISuggestionsontheProblemsandCountermeasuresofAutomotiveFinanceAbstractWiththerapiddevelopmentofChina’seconomy,domesticautoindustryexpandsatanunprecedentedpaceandwitnessesthestablegrowthoftheproductionandsalesofautomobiles.Thestatusofthedomesticautoindustryalsograduallyimprovesintheglobalautomobilemarket.However,comparedwiththehighproductionandgreatsalesofdomesticautoindustry,theautofinanceindustrydevelopsslowlyinChinaandstillhasahugedevelopmentspace.Therefore,startingwithrelevantconceptsoftheautofinanceindustry,theliteratureresearchmethodisadoptedinthispapertoanalyzethecurrentsituationandproblemsoftheautofinanceindustryfromagovernmentperspectivetoputforwardpracticalsuggestions,includingthewideningoffinancingchannels,thediversificationofsubjectsoffinancialservicesandtheenhancementofcreditriskmanagement.Itishopedthatthispaperisoftheoreticalsignificancetothefuturedevelopmentofdomesticautofinanceindustry.Keywords:Automotivefinance;Financingchannels;Servicesprincipal;RiskanagementII目录一．绪论·················································1（一）研究的背景·········································1（二）研究的方法·········································1（三）研究的目的和意义···································1二．汽车金融业相关概念···································1（一）汽车金融的含义·····································1（二）汽车金融的特III点·····································1（三）汽车金融的作用·····································1三．汽车金融业的发展现状·································1（一）商业银行占据市场大部分份额·························1（二）汽车贷款率较低·····································1（三）相关政策、法律法规的不断更迭·······················1四．汽车金融业存在的问题·································1（一）汽车金融融资渠道比较单一···························1（二）汽车金融服务主体比较单一···························1IV（三）信用风险管理体系不够健全···························1五．汽车金融业发展的对策建议·····························1（一）拓宽融资渠道·······································1（二）多样化汽车金融服务主体·····························1（三）加强信用风险管理··········...
