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摘要： 在现代经济生活中，从国民经济增长的角度看，消费的变动将带动国民经济的增长，消费信贷是推动消费增长的重要方式。个人汽车消费贷款是促进我国汽车产业健康发展乃至我国国民经济快速发展的重要手段。我国个人汽车消费贷款有其发展的必要性和可能性。一家商业银行汽车金融中心的负责人说，“近期，作为银行的第二大零售业务——汽车贷款业务的上升态势已然超过住房按揭贷款，这个新利润增长点，使得银行与众多车企，纷纷推出信贷产品。银行不会加大车贷难度！”
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本论文就我国个人汽车消费贷款中存在的问题及影响其发展的原因进行探讨，通过分析个人汽车消费贷款发展的现状及存在的问题，发现影响其发展的因素，借鉴相关的成功经验，根据实际情况提出一些建议。文章以上海市个人汽车消费信贷为研究对象，主要采用规范和实证分析相结合的研究方法。9113
关键字：个人汽车消费贷款；汽车；汽车消费
Discussion on personal auto loan
Abstract:In the modern economic life,from the perspective of the national economic growth,consumption will drive the growth of the national economy,the change of consumption credit is an important way to promote the growth of consumption.Personal auto loan is the most important way to promote the development of automobile industry of our country and the national economy.The development of personl auto loan in our country is necessity and possibility.A person from commercial bank auto financial center said "recently,as the second largest retail business in bank’s rise—the auto loan business has more than housing mortgage loan,in according to this new profit growth point,many banks and car companies have introduced the credit product.The bank will not increase the difficult!”
s dissertation has discussed the problem and the effects of its development of personal auto loan in Chain,through the analysis of the development of personal automobile consumption loan and the existing peoblems,find the factors that affecting its develop,learn from the successful experence,proposed some suggestions according to the actual situation.The personal autombile consumption loan in Shanghai city as the research object,mainly adopts the research methods of nromative analysis and empirical combination.
Key words: personal auto loan;automobile;automobile consumpion
目录
前言 1
一、汽车消费贷款的相关理论综述 2
（一）汽车消费贷款相关概念 2
（二）国内外发展情况 4
二、个人汽车消费贷款的市场调研与分析 7
（一）调查方案 7
（二）市场现状与趋势分析 9
（三）问题统计与数据分析 10
三、个人汽车消费贷款具体分析及存在的问题 18
（一）汽车消费信贷的发展及现状 18
（二）个人汽车贷款市场存在的问题 19
四、对于汽车消费贷款问题的解决建议 20
（一）从宏观管理的角度 20
（二）从微观角度 21
结论 22
致谢 23
参考文献 24
附：调查问卷 25
关于上海市汽车个人消费贷款的调查问卷 25
前言
随着经济的飞速发展，人们生活水平不断提高，人们对于汽车消费的需求不断增加，消费者对于汽车信贷的需求不断提高。而在我国，汽车金融服务的主要内容是汽车消费信贷业务，该业务的主体主要涉及银行、汽车经销商、汽车集团财务公司以及其他非银行金融机构。