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汽车消费信贷业务由于借款人违约不断甚至恶意骗贷 ,短期内已形成巨额不良资产 ,这是我国社会转型期的道德失范及刑法规制不力造成的 ,应从法律层面找出解决问题的良策。
As the borrower default or even malicious fraud, the automobile consumer credit business has formed a huge amount of non-performing assets in a short period. This is caused by the moral anomie in the social transformation of our country and the poor regulation of criminal law. Therefore, we should find a good solution to the problem from the legal aspect.