汽车消费贷款既是一项新兴业务 ,也是一项非常有发展前途的业务。因此 ,努力研究和探索汽车消费贷款业务的风险防范及转变经营方式、搞好金融服务已成为当前银行急需解决的问题。1 在政府协调下 ,建立科学的行之有效的个人资信评估体系。目前我国有些大城市如北京、郑州等已开 Automobile consumer loans are both a new business and a very promising business. Therefore, efforts to study and explore the risk prevention of automobile consumer loans business and to change the mode of operation and to improve financial services have become urgent problems for the current banks. 1 Under the coordination of the government, establish a scientific and effective personal credit rating system. At present, some big cities in our country such as Beijing and Zhengzhou have opened