国内汽车金融业务的风险控制探究

Research on Risk Control of Domestic Auto Finance Business

我国汽车金融行业起步较晚,从20世纪90年代中期简单的汽车信贷开始,行业整体经历了萌芽期、起步期、调整期和爆发期。近年来在消费逐渐成为拉动经济增长的第一驱动力背景下,消费升级不断推进,我国汽车金融行业也呈现出快速发展的势头,但同时也蕴藏了一定的信贷风险。本文主要介绍了我国汽车金融业务及其风险现状,并据此提出一系列针对我国汽车金融业务发展的有效风险管控措施。

China's auto finance industry started relatively late.Starting from the simple auto credit in the mid-1990s,the industry experienced a budding period,an initial period,an adjustment period,and an outbreak period.In recent years,under the background that consumption has gradually become the fi rst driving force for economic growth,consumption upgrades have continued to advance,and China's auto fi nance industry has also shown a momentum of rapid development,but it also contains a certain degree of credit risk.This article mainly introduces China's auto fi nance business and its risk status,and proposes a series of effective risk control measures for the development of China's auto fi nance business.