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一、汽车消费信贷的主要风险 目前,汽车消费信贷领域风险急剧上升的主要原因是各银行随着汽车热的到来,看好汽车消费信贷市场,为了争取市场份额,层层下达指标任务,造成市场竞争激烈,于是各银行相互降低门槛,通过降低利率、降低首付款比例、延长贷款期限,扩大贷款车辆品种等措施,放宽条件、取得市场份额,整个竞争处于无序状态,随之而来的是不良贷款迅速上升。造成这些风险主要集中表现在以下几个方面:
First, the main risk of consumer credit automobile At present, the main reason for the sharp rise in the risk of consumer credit in the field is that banks are optimistic about the auto consumer credit market with the advent of automobile. In order to gain market share, the banks issue targets and tasks at different levels, resulting in market competition Therefore, the banks lowered their thresholds to each other. By reducing interest rates, lowering the down payment ratio, extending the loan term and expanding the varieties of lending vehicles, the banks relaxed their market share and enjoyed market share. As a result, the entire competition was in a disorderly condition with consequent failure Loans are rising rapidly. These risks are mainly concentrated in the following areas: