本文分析了我国汽车市场的潜力，指出目前中国汽车消费竞争处于预热阶段，同时阐述了我国汽车消费的主要模式，找出了中外汽车消费信贷服务的差距，提出了金融机构赢得竞争的要素，及未来汽车消费潮流。随着市场经济的迅猛发展，商品数量越来越多，消费者也从过去对物质的需求逐步转变为对精神的追求，这也向企业提出了更高的要求。企业为了满足消费者逐渐提高的需求，抢占更多的市场份额，所以要逐步提升自身的竞争能力，不断推出新产品，科技的进步也为汽车行业的发展提供了技术支持。汽车电子业的发展促进了汽车智能化的发展，消费者对多元化和个性化的追求也使汽车消费的未来走向定制时代。同时也要求企业逐步完善和拥有客户信息传送网络和强大的物流支持，使汽车行业从过去的何时造好何时卖转变为顾客何时需要就何时供应。
关键词：中国，汽车市场，汽车消费
Abstract
This paper analyzes the potential of the automotive market, pointing out that the current competition in China's auto consumption preheating stage and explained the main mode in auto, home and abroad to find gaps in automobile consumption credit, won the competition presented the elements of financial institutions, and the future trend of automobile consumption. With the rapid development of market economy, the number of goods more and more consumers demand for material from the past and gradually changed to the spirit of the pursuit, Zhe also to the higher demands put forward by enterprises. Enterprises in order to meet consumer demand is gradually improving, grab more of the market share, Suo Yi to gradually improve their own competitiveness, has introduced new products, scientific and technological progress for the automobile industry to provide technical support. Automotive electronics industry has promoted the development of intelligent automotive, consumer diversity and the pursuit of personal consumption to the future direction of custom car era.Also requires enterprises to gradually improve and have a customer information transmission network and strong logistics support, so to when the automotive industry from the past when Mai made a good change for customers on when supply when needed.
Key Words：china ，Automotive Consumer，Auto market
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