目前,我国人均GDP已经跨过1000美元的门槛,预示居民消费结构将会出现一个大的升级,住房、汽车、医疗、文化、旅游等消费及服务在未来具有巨大的增长空间,其中汽车消费将是普通百姓消费的一个重要内容。汽车消费信贷随着2004年汽车金融公司进驻中国大陆,使 At present, the per capita GDP of our country has crossed the threshold of 1,000 U.S. dollars, which indicates that there will be a major upgrade in the consumption structure of residents. Consumption and services such as housing, automobiles, medical care, culture and tourism will have tremendous room for growth in the future. Among them, It is an important part of ordinary people’s consumption. Car Consumer Credit With the entry of auto finance companies in mainland China in 2004,