征信系统推动汽车消费信贷市场发展情况分析——以贵港市为视角

Research on Credit Information System in Facilitating the Auto Consumption Credit of Commercial Banks

制约汽车消费信贷发展的重要原因之一就是汽车消费信贷的贷款违约率高,征信系统的上线和运用在推动汽车消费信贷市场发展中起到了重要作用。本文以贵港为视角,研究征信系统在促进商业银行汽车消费信贷业务发展中的作用,以及运用过程中存在的问题,并提出有针对性的建议。

One key factor that limits the development of auto consumption credit is the high default rate, so establishment and implementation of credit information system has pushed the development of auto consumption credit market. Taking the statistics from Guigang city as a sample, the article does a research on the roles of credit information system in facilitating the auto consumption credit provided by commercial banks and the issues incurred during the im- plementation, then gives some practical suggestions.