论文部分内容阅读
中国建设银行与一汽集团公司采取汽车消费贷款联合启动市场,经过两个多月运行初见成效,并在社会上产生了巨大的冲击波。不但解决了代理商和终极用户的资金紧张问题,启动了企业生产,而且提高了银行的信贷质量。目前,这一办法正在逐步完善,部分金融专家和企业家建议加速推进,尽快探索出一条市场经济转轨期银企合作的新路子。 (一) 这个办法始于今年5月,当时,中国建设银行总行向全国分支机构下达一份通知,决定在全国范围内为一汽—大众生产的捷达轿车提供规模为8.15亿元的“按揭贷款”。按揭贷款是抵押贷款的一种,我国的
China Construction Bank and FAW Group Corporation jointly launched the automobile consumer loan market, and achieved initial success after more than two months of operation, and produced a huge shock wave in the society. Not only solved the agent and the ultimate user funding problems, started the production of enterprises, but also improve the bank’s credit quality. At present, this measure is gradually being perfected. Some financial experts and entrepreneurs suggest accelerating progress and exploring a new way for the cooperation between banks and enterprises as soon as possible in the market economy. (A) This measure started in May this year when the head office of China Construction Bank issued a circular to all the branches in the country to decide on a nationwide “mortgage loan” for FAW-Volkswagen-produced Jetta sedan with a size of 815 million yuan. . Mortgage loans are a kind of mortgage loan in our country