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我国在2008年人均GDP跨入3000美元,按照国外相关经验我国应该进入汽车消费高峰期,但是到2008年末我国汽车保有量才达到30辆/千人。造成这种现象的原因是由于国民对汽车的消费能力不足,在国外发达国家消费者通过汽车金融购车占汽车消费总额的70%以上,而我国却只有不到20%,因此大力发展我国汽车金融势在必行。回顾国外发达国家汽车消费信贷业务发展,我国商业银行汽车消费信贷发展现状还存在很多问题,探讨这些问题,力求为我国商业银行汽车消费信贷业务发展提供一些有价值的建议。
In 2008, China’s per capita GDP surpassed 3,000 U.S. dollars. According to relevant experience in other countries, China should enter the peak period of car consumption. However, by the end of 2008, the car ownership in China had reached 30 vehicles per 1,000 people. The reason for this phenomenon is that because of the insufficiency of citizens’ spending power on automobiles, consumers in developed countries consume more than 70% of the total automobile consumption through automobile finance, while our country only has less than 20%. Therefore, we should vigorously develop China’s automobile finance Imperative. Reviewing the development of auto consumer credit business in developed countries, there are still many problems in the development of auto consumer credit in commercial banks in our country. These problems are discussed to provide some valuable suggestions for the development of auto consumer credit business in commercial banks in China.