汽车金融及其风险问题浅析

An Analysis of Automobile Finance and Its Risk

国外流行多年的汽车金融,在我国的发展是失败的。究其原因,主要是个人信用体系缺失,参与主体的风险分担机制不合理,开展机构专业性不强,配套政策不完善以及汽车产业发展不稳定。我国应加强汽车金融公司的自身建设以及与商业银行和保险公司之间的合作。要深刻认识汽车金融的本质和特有风险,深入分析参与汽车金融的主体及其行为,改善汽车金融服务业的发展环境,加快信用评估体系建设,积极探索适合我国目前情况的汽车金融风险防范的模式和控制机制。

Automobile finance popular abroad for many years failed in China. The main reasons lie in the deficiency of personal credit system, unreasonable risk sharing mechanism, the unprofessional development organization, imperfect supporting policies, and unstable development of automobile industry. We should strengthen construction of automobile financial companies and cooperation with commercial banks and insurance companies. Furthermore, we should recognize the special quality and risk of automobile finance, analyze the subject participating in automobile finance and its behavior, improve development environment of automobile financial service, quicken construction of credit evaluation system, and explore risk prevention model and control mechanism for Chinese automobile finance.