我国汽车金融业务的现状与发展问题研究

发布时间：2018-06-14 00:49

本文选题：汽车金融 + 汽车金融公司　；参考：《首都经济贸易大学》2013年硕士论文

【摘要】：随着经济全球一体化以及中国消费市场不断膨胀，中国的汽车金融业也在悄然兴起，然而目前，我国的汽车金融业还正处于初级阶段，汽车融资业需求扩张的步伐加快了。本文总体概述了汽车金融的研究背景、研究意义和作用以及汽车金融业的相关概念与理论基础。在此基础上，分析对比了国内外汽车金融业的发展现状、主体、服务模式分类、制度环境、特点和发展前景。在国内汽车金融市场开拓落后于国外的前提下，试探性的总结国内汽车金融行业发展中存在的诸多问题，包括汽车消费信贷机构、贷款手续费、服务产品服务方式、担保制度、消费环境、法规制度等。之后，提出了推进我国汽车金融发展的建议，大致包括建立适合我国国情的汽车金融服务模式、培育专业性的汽车金融服务公司以及进一步完善汽车金融的配套措施。最后得出了本文的结论。
[Abstract]:With the globalization of economy and the expansion of China's consumer market, the auto finance industry of China is rising quietly. However, at present, the auto finance industry of our country is still in the initial stage, and the pace of the expansion of the demand of the auto financing industry has been accelerated. This paper summarizes the research background, significance and function of auto finance, as well as the related concepts and theoretical basis of auto finance. On this basis, this paper analyzes and compares the present development situation, the main body, the service mode classification, the system environment, the characteristic and the development prospect of the domestic and foreign automobile finance industry. On the premise that the domestic auto finance market lags behind that of foreign countries, this paper tentatively summarizes the problems existing in the development of domestic auto finance industry, including automobile consumption credit institutions, loan handling fees, service products and service methods, and guarantee system. Consumption environment, laws and regulations, etc. After that, some suggestions are put forward to promote the development of automobile finance in our country, including the establishment of automobile financial service model suitable for our national conditions, the cultivation of professional auto financial service companies and the necessary measures to further improve automobile finance. Finally, the conclusion of this paper is drawn.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;F426.471

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