The Research On Sustainable Development Of Automobile Consumer Finance In Our Country

Automobile Consumer Finance refers to the sustenance of financing during the whole process about before, in and after sale to support the consumers to buy an automobile, as well as the relative financial services of insurance and assurance, etc. It is an important part of consumer finance and has a good future in our country.The sustainable development of automobile consumer finance has an active realistic significance. In our country, we fully have the realistic advantage to carry out the sustainable development of automobile consumer finance which has been developed in certain degree. At present, we should start with the design of profit mode, the control of credit risk, the construction of external environment, etc, in order to improve the sustainable development of automobile consumer finance fully.The design of profit mode is the core of the sustainable development of automobile consumer finance. In our country, in order to form the reasonable structure and effective operation profit mode system of automobile consumer finance, we should choose and apply all kinds of profit modes gradually, according to the development conditions and environment, at the base of classification between basic profit mode and innovative profit mode. In the same time, we should also use effective measures to protect every development of the profit modes.The control of credit risk is the key to the sustainable development of automobile consumer finance. We should build perfect early - alert system of credit risk, and build internal control mechanism to provide the credit risk of automobile consumer finance effectively. In the same time, the risk dispersed mechanism and the risk compensation mechanism should be built to solve the objective credit risk fully.The construction of external environment is the guarantee of the sustainable development of automobile consumer finance. One side, we should develop all kinds of automobile consumer finance systems and cultivate perfect automobile consumer finance service systems. On the other side, we should enhance the environment constructions of consumer, social assurance, automobile market, financial regulation, to develop the market environment of automobile consumer finance in our country.