对大荔县汽车消费信贷市场的实证分析

An Empirical Analysis on the Automobile Consumption Loans in Dali County

本文通过对大荔县汽车消费贷款市场兴衰的调查,研究了银行、保险有关条例、条款的缺陷,分析了银行、保险公司、汽车经销商、贷户等不同利益主体的责权利,肯定了汽车消费贷款对增加银行收益、刺激消费、增加就业、促进生产和流通的作用,对发展汽车消费贷款市场给出了相关的建议。

Throgh an investigation into the rise and fall of the market of lending on automobile in Dali County,Shaanxi province and study the shortcomings in some articles and rules of banks and the insurance companies, the paper analyses the responsibitities, rights and interests among the bank, the insurance company,the car dealer and the credit side and affirms the function of the lending on automobile in increasing the profits of the bank, stimulating the consumption, offering more jobs and accelerating manufacturing and circulation. In the end it gives some advice on how to develop the market of the lending on automobile.