个人汽车消费贷款存在的问题及防范对策

Problems existing in consumption load of individual automobile and countermeasures

近年来汽车消费贷款获得了长足发展,成为商业银行新的效益增长点和国家扩大内需的重要手段。本文对汽车消费贷款发展的基本情况进行了深入分析,揭示了其中存在的主要问题及原因,进而提出加强汽车消费贷款管理、防范汽车消费贷款风险的对策建议。

In the recent years,the automobile consumption load has a considerable development,becomes the commercial bank new benefit point of growth and important method of which the country increases domestic demand.This article has a thorough analysis of the basic situation of the automobile consumption loan development,has promulgated main problems and reasons existing,then proposed suggestions to strengthen management of the automobile comsumption load,and the countermeasures to guard against the risk of automobile consumption loan.