我国汽车消费信贷业务发展现状分析摘要自2009年开始，我国便拥有全球最大的汽车年销售量，与潜力巨大的市场不相符的是，我国贷款购车的比例不高。相比于发达国家如的汽车消费信贷渗透率美国93%、英国81%、德国74%、日本46%，而在我国渗透率仅达到21%左右。目前，中国经济发展迅速，而汽车消费的需求也日益剧增，汽车市场对消费信贷业务的需求量也不断上升。就汽车消费信贷机构比较方面来说，我国商业银行为汽车消费信贷的主体，而汽车金融公司则占少数。目前，我国的汽车消费信贷由于操作手续复杂，额度低，个人信用制度仍不完善等原因制约着商业银行在汽车消费金融方面的发展。汽车金融公司发展的瓶颈则是缺少融资渠道、投资手段和相关的专业人才。在我国汽车消费需求量不断上升的背景下，汽车消费信贷的供应者面临诸多挑战和难题。本文主要通过分析比对的法探讨了汽车金融公司和商业银行两种汽车消费信贷主体在市场上的竞争力和优劣，同时探讨了两者合作的可能性。本文通过近几年来的汽车金融市场的消费数据建立了线性回归模型，分析制约我国汽车消费信贷发展的主要因素及其影响手段，提出了加快汽车消费信贷发展的建议，对我国汽车金融和经济结构调整和均衡发展具有重要意义。关键词：汽车消费信贷；汽车金融AbstractSince2009,Chinahashadtheworld'slargestannualsalesofautomobiles,whichisinconsistentwiththemarketwithhugepotential.Theproportionofloanspurchasedbyourcountryisnothigh.Comparedwithdevelopedcountries,forexample,thepenetrationrateofautoconsumercreditis93%intheUnitedStates,81%intheUnitedKingdom,74%inGermany,and46%inJapan,andthepenetrationrateinChinaisonlyabout21%.Atpresent,China'seconomyisdevelopingrapidly,andthedemandforautoconsumptionisalsoincreasingrapidly.Thedemandforconsumercreditbusinessintheautomarketisalsorising.Asfarascarconsumptioncreditinstitutionsareconcerned,China’scommercialbanksarethemainstayofautoconsumptioncredit,whileautofinancecompaniesareintheminority.Atpresent,China’sautoconsumptioncreditrestrictsthedevelopmentofcommercialbanksinautoconsumptionfinanceduetocomplicatedoperationprocedures,lowcreditlimits,andimperfectpersonalcreditsystems.Thebottleneckofthedevelopmentofautofinancecompaniesisthelackoffinancingchannels,investmentinstrumentsandrelatedprofessionals.InthecontextofrisingdemandforautoconsumptioninChina,suppliersofautoconsumercreditfacemanychallengesandchallenges.Thisarticlemainlydiscussesthecompetitivenessandadvantagesanddisadvantagesofautofinancecreditcompaniesinautofinancingcompaniesandcommercialbanksinthemarketthroughanalysisandcomparison.Atthesametime,thepossibilityofcooperationbetweenthetwoisdiscussed.Thispaperestablishesalinearregressionmodelofconsumptiondataintheautomotivefinancialmarketinrecentyears,analyzesthemainfactorsrestrictingthedevelopmentofChina'sautoconsumercreditanditsimpactmeasures,andputsforwardproposalsforacceleratingthedevelopmentofautoconsumercredit,aswellasChina’sautofinanceandeconomicstructure.Adjustmentandbalanceddevelopmentareofgreatsignificance.Keywords:Autofinancialservice；Consumptioncredit目录第1章绪论....................................................................................................................................11.1课题研究的背景....................................................................................................................11.2课题研究的意义....................................................................................................................21.3研究的主要内容和方法...................................................................................
