我国汽车金融发展中的问题及对策
内 容 摘 要
近年来，随着我国工业化的发展，我国汽车产业发展迅速，已成为汽车产销第一大国。但与我国汽车产业快速稳定发展相比，我国的汽车金融服务业发展相对比较滞后。金融是现代经济的核也，在汽车产业发展中必将起到积极的推动作用。从国外汽车强国的成功发展经验来看，汽车金融服务在汽车工业的发展中起重要的作用。目前，汽车金融已经成为继房地产金融后的第二大消费金融。我国汽车金融业与发达国家相比仍然处于初级阶段，仍有诸多问题亟待解决，同时也说明我国汽车金融服务需求的潜力巨大。汽车金融对我国来说是一个新兴产业，我国对汽车金融产业的发展还在不断的探索之中，汽车金融能够推动汽车产业的发展，已经成为国内外学者的共识同时汽车金融也是推动国民经济发展的重要力量之一。汽车金融的发展是整个汽车产业发展重要的组成部分。我国汽车金融的发展与汽车业的发展极不相适应，国外汽车消费信贷占汽车销售比例大约在７０％，本文以汽车金融作为研究对象，试图分析国外汽车金融发展的成功经验探讨我国汽车金融业如何健康快速发展并提出相关政策建议。
[关键词]：汽车金融 商业模式 消费信贷
目 录
我国汽车金融发展中的问题及对策
一 汽车金融相关理论·················································3
1 汽车金融相关概念··················································3
2 汽车金融业务概念及其特征··········································3
3汽车金融行业发展路径概况···········································4
二 国内汽车金融发展现状及起业务发展的基本情况·······················4
1 我国汽车金融发展概况··············································4
2实体线下汽车金融发展概况···········································5
3线上互联网汽车金融发展概况·········································5
三 我国汽车金融发展中存在的问题·····································5
1 汽车金融行业发展普遍问题··········································6
2 线下汽车金融发展存在的问题········································7
3 线上互联网汽车金融发展存在的问题··································8
四 国内汽车金融现状成因及发展存在风险分析···························8
1 影响汽车金融发展现状的外部环境因素分析···························8
2 影响汽车金融发展现状的行业内部因素分析···························8
3 大众汽车金融（中国）公司发展现状分析·····························9
3.1 影响大众汽车金融公司发展的因素··································9
3.1.1外部环境竞争··················································10
3.1.2内部劣势分析··················································10
3.2 大众汽车金融公司未来发展战略愿景·······························11
五 促进我国汽车金融健康发展的对策··································11
（一）完善汽车金融相关的法律制度··································11
（二）完善担保制度··············································11
（三）完善征信法律制度··········································11
（四）建立适应中国国情的汽车金融业································11
（五）增强汽车消费者信贷理念，加大汽车信贷消费宣传················12
六 结论····························································12
