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所谓汽车金融,是主要在汽车的生产、流通、购买与消费环节中融通资金的金融活动,包括资金筹集、信贷运用、抵押贴现、证券发行和交易以及相关保险、投资活动。它是汽车制造、流通业、服务维修与金融业相互结合渗透的必然结果。尽管受中国汽车起步晚及国人“能付不贷”、“宁借不贷”、“不花未来钱”等传统观念的影响,中国汽车信贷与欧美发达国家相比有较大的差距。但这几年,随着中国汽车市场的迅猛发展,国人消费观的转变及理财观的增加,中国汽车信贷逐渐升温。
The so-called auto finance is a financial activity that mainly financed the production, circulation, purchase and consumption of vehicles, including fund raising, credit utilization, mortgage discounting, securities issuance and trading, and related insurance and investment activities. It is the inevitable result of the mutual penetration of automobile manufacturing, distribution, service maintenance and financial industry. Despite the impact of traditional concepts such as the late start-up of Chinese cars and the failure of Chinese people to “afford not to lend money”, “prefer not to lend money,” and “not to spend money in the future,” China’s auto loan has more advantages than developed countries in Europe and the United States Big difference. However, in recent years, with the rapid development of China’s automobile market, the shift in people’s consumption outlook and the increase in financial management concept, China’s automobile credit has gradually risen.