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汽车信贷作为一种新兴的购车形式,正逐步被越来越多的人所接受。在广州十个买车人中有三个是通过借贷,日前在上海进行的一次抽样调查结果也表明,近九成的年轻人愿意选择贷款方式购车。在北京,汽车信贷已走进更多的家庭,成为汽车购买的主要方式。2002年1月至10月,我国发放汽车贷款524亿元,远远超出其前4年累计的434亿元,增长幅度首次超过了住房信贷。但不可否认的是汽车信贷在发展过程中暴露的问题,这也成为困扰其发展的主要因素。
As a new form of car purchase, auto credit is gradually accepted by more and more people. In Guangzhou, ten of the ten car buyers borrowed, and a sample survey conducted in Shanghai recently showed that nearly 90% of young people are willing to choose a loan to buy a car. In Beijing, auto credit has entered more families and become the main way to buy cars. From January to October 2002, China issued loans of 52.4 billion yuan, far exceeding the total of 43.4 billion yuan in the first four years. The growth rate surpassed that of housing loans for the first time. However, it is undeniable that the issue of automobile credit exposure in the development process has also become a major factor troubling its development.