我国汽车消费信贷现状与对策建议

中文摘要

我国在汽车消费信贷领域的落后现状，严重制约了汽车产业的发展，汽车市场的迅速发展对我国工业发展的重要作用又是不可缺少的。因此，必须着眼于我国目前汽车消费信贷的环境，对汽车消费信贷的模式进行深入的研究。
本文选择对汽车消费信贷的专题进行调查研究，将中外汽车消费信贷进行比较分析，从对国外汽车消费信贷的成功模式中分析影响我国汽车消费信贷发展的因素，并针对制约因素、借鉴国外的成功经验提出相关对策和建议。全文分成五部分：一、选题的意义；二、对我国汽车消费信贷的发展现状进行总结分析；三、针对汽车消费信贷的影响因素做具体的分析；四、借鉴国外的成功之处；五、提出针对性的对策。大力发展汽车消费信贷对支持需求扩张、拉动经济、培育新的经济增长点和消费热点具有重要的现实意义。汽车消费贷款前景乐观，但做大、做好汽车消费信贷市场，涉及方方面面，需要各方面共同努力。
   
关键词    ：汽车消费，信贷，制约因素

Absrtact

Our country expends the credit domain in the automobile the backward present situation, has restricted the automobile industry development, the auto market rapidly expand to our country industrial development influential role is also seriously essential. Therefore,we must focus in our country present automobile expends the credit the environment, expends the credit to the automobile the pattern to conduct the thorough research.
    I chooses to the automobile expends the credit the topic to conduct the investigation and study, expends the credit the Chinese and foreign automobile to carry on the comparative analysis, from expends the credit to the overseas automobile in the successful pattern to analyze affects our country automobile to expend the credit development the factor, and aims at the restriction factor, to profit from the overseas successful experience to propose the related countermeasure and the suggestion. The text divides into five parts: First, the significance of the topic; Second, analysis the present situation of expending the credit to our country automobile; Third, to make the concrete analysis to expending the credit in view of the automobile the influencing factor; Fourth, profits from the overseas success; Fifth, proposes the pointed countermeasure. The development automobile expends the credit to support the demand vigorously to expand, the drawing economy, to cultivate the new economic growth and the consumption hot spot has the vital practical significance. The automobile consumptive loan prospect is optimistic, but completing the automobile to expend the credit market and involving the aspects needs various aspects joint effort.

Key words   : Automobile expense, Credit, Restriction factor

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