浅析个人汽车消费贷款的风险防范

Some Recommendations on Risk Management on Car Loans

我国的汽车消费贷款市场启动于1998年,与长期推行的公司贷款相比,起步较晚,可供借鉴使用的经验做法不足,是一种新的授信领域。本文试从办理个人汽车消费贷款应注意的有关问题出发,谈当前我行如何把握市场风险,规范操作手续,积极促进信贷业务的良性发展。

The car loan market in our country is now in its infancy, since it has just started to develop since 1998 and we have little experiences to draw on. The author made a preliminary study about risk management in this new credit business area, and listed several recommendations for banks to control relevant risks and set up operational procedures, which could lay a solid foundation for healthy development of this new business.