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2003年10月,中国银行业监督管理委员会公布了《汽车金融机构管理办法》(以下简称《办法》),11月公布了《汽车金融公司管理办法细则》,这是我国履行加入WTO后对外开放汽车消费信贷市场的承诺。随着《办法》的公布,我国汽车信贷消费市场也将走入新的里程。 我国经济近几年持续高速发展,使居民可支配消费收入不断增加,随着居民消费观念的转变和对轿车市场的旺盛需求,我国的轿车产业迎来了私车时代。据统计,2001年私车消费
In October 2003, China Banking Regulatory Commission released Measures for the Administration of Auto Financial Institutions (hereafter referred to as the Measures) and in November released the Detailed Rules for the Administration of Auto Finance Companies, which is the first time that China’s opening up to the outside world after China’s accession to the WTO Car consumer credit market commitment. With the “measures” announced, China’s automobile consumer credit market will also enter a new milestone. In recent years, the economy of our country has continued its rapid development so that the residents ’disposable income will continue to increase. With the change of residents’ consumption concept and the strong demand for the car market, the car industry in our country ushered in the age of private cars. According to statistics, private car consumption in 2001