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目前在我国,汽车消费信贷并不像有些人想象得那么容易,真的拿出钱来办汽车信贷的人,也并不像有的媒体说得那样多。事实上,要办成一笔汽车信贷还相当麻烦和困难。在我国个人信用尚不完全的情况下,汽车信贷消费的风险是非常大的。这个风险首先是指对受贷方资信的审查。在发达国家,专门有机构收集、记录、整理和分析个人的信用档案,如消费者的信用往来、个人负债、是否有财务欺诈行为或个人破产记录等。现在我国的个人信用制度尚未建立,银
At present in our country, the automobile consumer credit is not as easy as some people imagined, and the people who actually took out the money to run automobile credit are not as much as some of the media say. In fact, getting a car loan is still troublesome and difficult. In the case of our personal credit is not complete, the risk of automobile credit consumption is very large. This risk refers first of all to credit lenders review. In developed countries, specialized agencies collect, record, organize and analyze personal credit records, such as consumer credit transactions, personal indebtedness, financial fraud or personal bankruptcy records. Now our country’s personal credit system has not yet been established, silver