| | | | | 汽车消费贷款风险分析与防范 | | | 黄琼 | | | 汽车消费贷款业务的由盛到衰,一方面是由保险公司、银行自身经营管理和风险控制不到位所造成的,另一方面与汽车消费贷款制度有直接关系。因而,银行、保险公司和汽车销售商必须三方联手合作才能有效化解风险,同时建立健全的社会和个人信用保障体系和汽车信贷法律、法规体系才能促进汽车消费贷款业务的发展。
【作者单位】：中共佛山市委党校社会经济发展研究所 广东佛山528000
【关键词】：贷款;分析;汽车
【分类号】：F832.479
【DOI】：cnki:ISSN:1008-018X.0.2005-06-008
【正文快照】：
《汽车消费贷款管理办法》自2004年10月实施以来,汽车消费贷款的规模从无到有,从小到大,得到快速发展。但是随着汽车消费贷款总量的扩大,这块当初为各方普遍看好的信贷市场便失去了“魅力”,所面临的风险也与日俱增。因此,我们有必要在客观地分析汽车消费贷款风险的同时,加强风险控制与防范,进一步提高银行的效益,在业务上不断创新和完善。一、汽车贷款业务发展的现状汽车贷款业务自推出后,以年均200%以上的速度迅猛增长,曾经成为有效保障银行信贷资产安全的重要手段,对促进汽车销售的增长,满足汽车消费需要,发挥过积极的作用,成为汽车消费… | | |  推荐 CAJ下载  PDF下载 | | | CAJViewer7.0阅读器支持所有CNKI文件格式，AdobeReader仅支持PDF格式 | | | | Analysis of Loaning Risks of Automobile Consumption and Precautions | | | HUANG Qiong(Research Institute of Social Economic Development;The Party's School of Foshan;Foshan 528000;China) | | | The loaning business of automobile consumption has undergone the beginning rise to present decline.On one hand,it is caused by the incomplete work of the insurance company,the bank's inner management and the risk control;on the other hand,it has something to do with the loaning system. So,the bank,the insurance company and the automanufacturer must cooperate so as to lift effectively the risks.In the meantime,perfect social and personal credit guarantee system,auto-loaning regulations and law should be established to stimulate the development of loaning business of auto-consumption.
【Keyword】：loan: analysis;automobile |
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