Research On Personal Automobile Consumption Credit In China

This dissertation aim at the character of automobile, and researched on system of personal automobile consumption credit in China, and how to make up a special system of personal automobile consumption credit .The whole article start with the west advanced personal automobile consumption credit and combine the actual situation of our country, then to study on the system of personal automobile consumption credit. The automobile main a special characters, so we did not study the credit of auto as other merchandis's, and our country face with the competition of foreign automobile financial and foreign commercial bank, so we have to quicken up the step of building personal auto consumption credit in our country.Dveloping personal auto consume credit is nesissary for today ecnomic development, start up the request of automobiles, that was the important factor of accelerate the industry ecnomic and National econmic forward to continuance and speediness, auto consume credit should be the main form of auto consume. From another point of view, auto consumption credit, can bring through the large assests merchandis's, and improve the management benefit. Start up the auto consumption credit, can be the convenience of denizen's life, improving the consume frame to remove. Automobile consume can improve the financial instituation to be optimize, and set up the using rate. Automobile can make a actively driving using. Personal auto consume credit financial device already have been prevalence in developed country, auto credit already have been the currency mode in international. And it has been the competed means to all large quto industries scramble for consumer.However, personal auto consume have lots of probelem in our country: we have no heathy personal credit estimate system, that result of fussy documents and operation process, that increase the cost of credit; We have short of custody of application in loan application, credit management and risk control was the main problem; There is no professional credit services to auto, that was the essential problem of slowing auto credit; The assurrence and user market of auto also to be the problem of consume credit, auto loan instituation have not attached the important of the allied of used car and car loan, that result from the banks did not know well of auto itself, and someone can do that was the auto finance company of auto industry; The slow consume consciousness,not to get into debt,some region protect also restrict the development of personal auto credit in our country. This article link the credit service of foreign country,in the background of builing the financial company of auto industy ,and refer to the commerce banks and auto dealerss'credit estimate system,build a set of profetional personal auto credit estimate system, and using it to settle the development obstacle of auto credit that result from the unhealthy personal credit system.The whole article was divided into six parts. The first chapter presented the actual situation and foreground of personal auto consumption credit in China, the meaning and restrict of developing personal auto consumption credit. The second chapter introduce the system of personal auto consumption credit in west developed countries, meanwhile explicated the situation of auto credit in China, and introduced the terms, interest rate , repay manner of auto loans . The third chapter, analyzed the three modes of personal automobile consumption credit in our country , and emphasized the loan flow, loan terms, the after services , the cost of loan ,and the comparatively analyzed of advantage and inferior position of each mode. Educed the conclusions: only the special auto finance companies engage in the automobile credit, can embody the meaning of auto credit. The forth chapter introduced the evaluate theory and methods of personal auto consumption credit. Because auto has itself characters, so we have to aim at it and make up a institution of special personal auto consumption credit, and introduced the flow of personal au...