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随着我国的经济发展以及产业结构升级与人民消费水平的提高,汽车业也进入了一个快速增长的阶段,然而我国的汽车消费信贷业务却历经曲折,尤其是在经历了过去相当长一段时间内存款准备金率的持续上调,以及2011年几次紧凑的加息潮,更是对经销商的资金链形成了严重的冲击。本文介绍了影响汽车销售信贷风险的因素,并从加强企业内部控制、增进个人征信体系的建设、加强对汽车消费市场的动态研究、完善担保制度等四个方面提出了相关的建议。
With the economic development of our country and the upgrading of industrial structure and the improvement of the people’s consumption level, the automotive industry has entered a phase of rapid growth. However, the automobile consumer credit business in our country has gone through twists and turns, especially after a long period of time Continued upward adjustment of the deposit reserve ratio, as well as a few tight interest rate hikes in 2011, but also the dealer’s funding chain has a serious impact. This article introduces the factors that affect the credit risk of automobile sales and puts forward some suggestions from four aspects: strengthening internal control of the enterprise, improving the construction of personal credit information system, strengthening the dynamic research on the automobile consumer market and perfecting the guarantee system.