【作者】 梁转平；

【导师】 王继先； 王务林；

【作者基本信息】 安徽农业大学 ， 农业机械化工程， 2006， 硕士

【摘要】 汽车金融信贷服务也称汽车消费信贷服务，是汽车金融服务的核心业务。汽车消费信贷服务即对申请购买轿车的借款人发放的人民币担保贷款；是金融机构向购车者一次性支付车款所需的资金提供担保贷款，并联合保险、公证机构为购车者提供保险和公证。论文首先分析美国和德国两大汽车金融发展比较成熟国家的经验，从汽车信贷从业机构、业务类型、风险控制及金融产品等不同角度展开研究。研究表明，发展汽车金融服务可以促进汽车工业的健康发展，而且国外在业务模式和控制风险等方面的成功经验对我国发展汽车消费信贷有良好的借鉴作用。然后研究我国发展汽车信贷概况，归纳汽车消费信贷操作的一般流程，总结不同时期汽车信贷业务模式，并进行汽车消费信贷从业机构博弈浅析说明发展消费信贷是必然的趋势。文章重点分析汽车金融信贷风险现状、成因及解决方案。在风险控制方面，除提出国家要继续制定相应的法律法规规范汽车消费信贷业务外，还新提出应提高消费者素质及加强金融机构管理，并引入新的控制风险措施、风险控制器，依靠技术的手段来降低汽车消费信贷违约风险。论文重点提出汽车金融产品的设计方案，总结出汽车金融产品的设计要点主要包括：设计准备工作、产品开发的具体策略、设计的一般流程及汽车金融产品的效益评估。建议在设计汽车消费信贷产品时可以借鉴融资租赁的成功之处，或者将租赁业务和汽车保险业务与汽车信贷业务相组合，推出组合类金融产品。最后综合全文得出研究结论：(1)借鉴国内外发展汽车金融的成功经验，可以推动我国汽车消费信贷快速发展。(2)转变后的汽车消费信贷模式更能满足消费者的需要。(3)违约风险控制是开展汽车消费信贷业务的难点，传统的控制风险措施必须加快步伐继续完善，新设计的汽车金融风险控制器在我国当前环境下具有很大的适用性。(4)汽车金融产品设计方案具有很强应用价值。(5)当前我国汽车消费信贷产品设计应朝灵活性和组合化方向发展。总之，我国汽车消费信贷发展前景广阔，汽车制造、维修、保险、租赁以及二手车业务等都可以考虑在将来的汽车金融产品设计中，研究工作还需更广更细。更多还原

【Abstract】 The auto-finance credit business can also be named as the auto-consumption business, which is the core of the Auto. The auto-consumption business is mainly responsible for the grant of guaranteed loan to the party who ask for the loan. It can also supply the above-mentioned loan to the buyer who adopts the method of payment by a lump sum. And a further business is to combine the insurance company and the notary office to supply the buyer the notarization and insurance.The paper firstly analyzed the operation experience gaining from the United States and Germany which has the sound and fast-growing performance in the auto-finance industry, mainly from the viewpoint of the auto-credit organization, the pattern of business, risk control and the financial products. Among which the successful experience of the operation pattern and risk control will have great benefits to our country’s development. Then the topic mainly focused on the outline of our country’s auto-credit, summed up the production line of the auto-consumption credit, concluded the auto-credit pattern in different periods and the operation organizations, and the paper made the large remarks concerning about the auto-credit risk’s current situation, the causes and the solutions. In the fold of the risk control, the paper had proposed that the country must make relative laws and regulations to standardize the auto-credit business, to improve the consumers’ conscience and to strengthen the management of the financial organizations. The newly created measures and the tools of risk control and the up-to-date techniques will be introduced to lower the risks caused by breaking up the contracts.The paper had put forward the designation of auto-financial products and made one more complete summary about the key points to design the products, in which there were the preparations of designation, the detailed strategy of the development, the ordinary process and the value appraisals. When to make designations of the consumption credit the suggestions about learning from the successful experience of the financing release and the combination between the auto-release business, the auto-insurance and the auto-credit business will be adopt to invent and recreate the complex financial products. Finally the paper made the conclusion: (1) Through leaning from and utilizing the foreign experience, our country’s auto-consumption credit will obtain its increasing growth rate; (2) The changed and the revamped patterns of the auto-consumption credit will have more benefits to meet the demands from consumers; (3) To break the deal is the trap when to launch the business of the auto-consumption credit, while the traditional risk control measures must increase its development pace, and the new kinds of the risk country tools will gain its wide market shares; (4) The scheme of the designation will popularize; (5) At present our country’s designation patterns need to adapt the market changes which can make the products more flexible and more variable. At last auto-consumption credit will definitely have its large-scale prospects, the automotive manufacture, the maintenance, the insurance, the credit and the old car business all can be regarded as the most valuable factors when to design the financial products and the relative research work will be subordinately widened.更多还原