我国汽车金融业存在的问题分析及其发展对策

Problems for China's Automobile Finance and the Countermeasures

从汽车金融的内涵、作用出发,分析我国汽车金融业存在着融资渠道单一,盈利模式传统,购车占比偏低,消费者接受度低,风险水平高,缺乏创新能力,缺乏完善而健全的风险控制及运行机制等问题。我国汽车金融业发展,应该拓展汽车金融服务的融资方式,鼓励相关产品结构模式创新,完善相关法律制度,加强与多方机构合作以及加强信贷风险管理体系建设。

Starting from the connotation and function of automobile finance,this paper analyzes the problems existing in China's automobile finance industry,such as single financing channel,traditional profit model,low proportion of car purchase,low consumer acceptance,high risk level,lack of innovation ability,lack of perfect and sound risk control and operation mechanism.To develop China's auto finance industry,the financing mode of auto finance service should be expanded,innovation of related product structure mode should be encouraged,relevant legal system should be improved,multi-party organization cooperation should be strengthened,and the construction of credit risk management system should be enhanced.