摘要
在经历了百年一遇的经济危机之后，各国政府相继出台了刺激经济发展的计划。我国政府也在这一特殊时刻加快出台各项政策促进经济增长方式由投资拉动向依靠内需转变。汽车下乡政策等正是在这一背景下出台的。本文正是希望通过探讨促进汽车金融公司发展来促进汽车消费信贷从而拉动汽车消费，在汽车产业链的带动下带动整个经济的增长。
本文将从汽车消费信贷在发展中产生的种种问题出发，以此作为探讨的基础，进行分析与研究。解决目前汽车信贷消费的问题，加快建设个人的征信系统是必不可少的，必须建立全面的消费信贷体系，才能更好的建设美好的生活，推动社会进步。
关键词：汽车；消费信贷；信用体系；对策
Abstract
Experienced in the worst flooding in years after the economic crisis, governments have issued the economic stimulus plan. Our government is also in this special moment to speed up the policy on promoting economic growth by investment demand to rely on domestic demand to change. It is in the countryside policy car that background on the introduction of the. This paper is the hope that through promote automobile financial company development to promote the consumer credit and pull the automobile consumption, in car industry chain drive the driving economic growth. This paper from the car consumer credit in developing produce all kinds of problem, we discussed this as the basis, research and analysis. To solve the problem of car credit consumption, speed up the construction of personal credit reporting system is essential, must set up the comprehensive consumer credit system, and can better construction good life, and promote social progress.
Keywords: Automobile; consumption credit; Credit system;
Countermeasures
目录
一、前言………………………………………………………………………………………………………… 1
二、何谓消费信贷？………………………………………………………………………………………. 1
（一）消费信贷的定义…………………………………………………………………………….. 1
（二）消费信贷产生的原因以及发展历程的缩影……………………………………… 2
（三）影响消费信贷发展的主要因素……………………………………………………….. 2
（四）消费信贷发展对社会进步的意义……………………………………………………. 3
三、国内外汽车消费信贷的发展比较……………………………………………………………… 4
（一）国外汽车消费信贷的发展………………………………………………………………. 4
（二）国内汽车消费信贷的发展………………………………………………………………. 4
（三）国内外汽车消费信贷的发展比较……………………………………………………. 5
四、中国汽车消费信贷的发展存在的问题………………………………………………………. 6
（一）商业银行……………………………………………………………………………………….. 6
1.个人信用制度不完善………………………………………………………………………. 6
2.消费信贷风险管理不够完善……………………………………………………………. 7
3.抵押物难以变现……………………………………………………………………………… 7
（二）国家政策……………………………………………………………………………………….. 7
1.立法滞后，法规不健全…………………………………………………………………… 7
2.信用风险管理体质不完善……………………………………………………………….. 8
（三）社会个体……………………………………………………………………………………….. 8
1.消费信贷提供机构较少…………………………………………………………………… 8
2.价值观导致消费观念的改变……………………………………………………………. 8
五、解决目前存在的汽车消费信贷问题的方法……………………………………………….. 9
（一）加快建设个人征信系统………………………………………………………………….. 9
（二）完善银行的消费信贷管理制度……………………………………………………….. 9
（三）建立全面的消费信贷体系………………………………………………………………. 9
六、结束语…………………………………………………………………………………………………… 10
参考文献………………………………………………………………………………………………………. 11
致谢…………………………………………………………………………………..12
