|
巴音郭楞翻譯公司關(guān)鍵字：China's auto consumption credit market has great potential, which is self-evident. However, consumer credit issues, financial institutions, credit guarantee company issues, auto finance companies and other restrictions are constraining the market booming.Keywords automobile finance company consumer credit financeThe so-called auto consumer credit services, is a self-financing by the car dealer, the dealer as the direction of consumer installment credit services. In 1993, Northern Ordnance automobile trading company in China first introduced the concept of car installments, the first of its kind in China automobile consumption credit. In October 1998, the official People's Bank of China issued "Auto Finance Management Regulations", the four major commercial banks are authorized to operate a car loan business. At present, China car sales up only 10% to 15% of automotive credit, and the global market average of 70% of this proportion. However, due to various reasons, 40% of the domestic auto dealers closing down, 80% of car dealers at a loss. Such banks can get all the interest, automobile manufacturers sold cars for automotive consumer people, the future is to spend money to enjoy life today, three things are satisfied, are facing a bottleneck.
A consumer credit issuesAccording to statistics, in September 2004, the national car loan balance is 174,100,000,000 yuan, and 10 months, the national auto loans has reached 1 833 million, of which the entire $ 100 billion bad debt car loans. Car loan bad debt remains high, one important reason, lenders and other financial institutions in banking, you can not comply with performance and timely repayment.This reflects the current immaturity of China's social consumer credit environment and the personal credit system is not perfect. In the present system of society as a whole being, individual credit assessment can not be established in the case, the bank only on the conditions of the borrower's qualification requirements. If the new approach will be broken down into individual borrowers, auto dealers and institutional lenders, borrowers apply for the different requirements of different auto loan qualification criteria, the corresponding risk management requirements. Individual borrowers, in addition to requirements
|