我国汽车信贷业务中的风险控制问题研究

A Study on Risk Control of Chinese Auto Credit

我国目前的汽车信贷业务还处于起步阶段,汽车信贷业务中还存在着许多的金融风险。但是我们不能因噎废食,因为汽车信贷是汽车大众化的一个重要的途径。汽车信贷虽然从现在来看是一项高风险的业务,但是同时如果对汽车信贷业务风险能加以良好的控制,它也存在着较高的收益。本文从汽车信贷风险的来源及对我国目前汽车信贷业务中的现状加以分析,提出我国发展汽车信贷业务的一些策略。

Now our auto credit business is in an initial stage. We still have many finacial risks in auto credit business. However- we should not abolish it- auto credit plays an important role in making automobile popular. In fact- auto credit is considered as a kind of high risk business- if the risk of auto credit can be controlled better- we also can get a high benefit from it. This paper analyzes the source of credit risk and current status of our auto credit business- puts forward some countermeasures in Chinese auto credit development.