我国商业银行汽车消费贷款的发展现状及风险研究

我国商业银行汽车消费贷款的发展现状及风险研究
摘    要
   
随着我国经济发展和人民生活水平的提高,信用消费也逐渐进入了人们的生活。面对着人们日益增长的信用需求,商业银行不失时机推出了个人汽车消费信贷服务。经过近几年的发展,个人汽车消费信贷已经成为了商业银行新的利润增长点。然而，由于我国开展汽车消费信贷的时间短，相关的法律制度不健全，相关的操作程序不完善，导致信贷风险大大增加。因此，需要针对汽车消费信贷建立一套风险防范体系，有效防范和化解汽车消费信贷风险。
本文从研究目前我国商业银行汽车消费贷款的现状入手，阐述了我国商业银行汽车消费贷款的发展历程与目前运行的状况，分析了运作过程中存在的问题，主要包括个人信用体系的缺乏,银行内部管理系统上存在的问题等。结合美国等汽车金融发达国家或地区的汽车金融的运作模式及特点，根据我国实际提出一些对策建议。

关健词 商业银行;汽车消费; 信贷风险   
Abstract
                            
With the development of economy and people’s living standards in our country, the credit consumption has been gradually entering into people’s daily life. Facing with the ever-increasing credit demands of people, commercial bank have been introducing the consumptive credit services of personal auto consumption. After several years’ development recently, the consumptive credit services of personal auto consumption have become a new growth profit of commercial banks. Whereas, it leads to sharply risk, because of the time limit of the personal auto consumption credit and the faultiness of related laws and operations. Therefore, it is necessary to establish a set of risk prevention system to prevent and dissolute the risks.
Through the studies on the present situation of auto credit as well as the development course and running situation of auto credit in Chinese commercial bank, this paper analyses the problems in the operation of car credit, including the lack of personal credit system and the problems in the management system of commercial bank. Then to consult the auto industry operation and characteristic in the other countries which is developed in this field, this paper finally will put forward some suggestions on finding out the proper way of auto credit for our country.

Key words   commercial bank  auto consumption  credit risk

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