十多年前,我国学习美国、欧洲的做法,启动了汽车消费贷款业务,车贷保证保险应运而生。我们学了他们用明天的钱圆今天的梦,很多人用贷款的方式提前住上象样的商品房,拥有了自己的汽车。但结果也和他们当初一样,由于银行、保险公司管理经验不足、互相配合不力,加上扩展业务过快,造成大量不良贷款,于是各银行和保险公司又不得不紧急停办此项业务,并进行了长达数年的清收整顿责任追究工作,许多工作人员因此受到处罚,至今仍如履薄冰唯恐避之不及。在当前国务院商务部、工信部、公安部、银监会、保监会等八部委发文要求促进汽车消费信贷的情况下,有必要对这一业务进行回顾分析思考,以总结经验教训,做好新一代车贷保证保险业务,为促进当前汽车消费提供有力保障。 Ten years ago, our country learned the practices of the United States and Europe and started the automobile consumer loan business. The automobile loan guarantee insurance came into being. We learned that they dream of today’s money with tomorrow’s money. Many people use mortgages to live in a decent commodity house in advance and own their own cars. However, the result was just like they were. Banks and insurance companies had to urgently suspend the operation due to the lack of management experience of the banks and insurance companies, as well as their poor cooperation and the excessive expansion of operations, resulting in a large number of non-performing loans. For several years to investigate and deal with the responsibility for the clean-up and reorganization, many staff members have been punished, so far it is still possible to evade thin ice. Under the circumstances that the Ministry of Commerce, Ministry of Industry and Information Technology, Ministry of Public Security, China Banking Regulatory Commission, China Insurance Regulatory Commission and other eight ministries are required to promote credit for automobile consumption, it is necessary to conduct a retrospective analysis and reflection on this business so as to sum up experiences and lessons and ensure a new generation of automobile loan guarantee Insurance business, in order to promote the current car to provide strong protection.