近年来,汽车金融公司作为专业提供汽车消费信贷服务的机构开始在国内金融市场上逐渐出现和成长。但由于我国个人信用体系的不健全、法律法规的不完善、缺乏专业的汽车消费信贷人才等因素,导致汽车金融公司面临较大的信贷风险,如何进行信贷风险的管理已成为影响和制约我国汽车金融公司健康持续发展的瓶颈。 In recent years, auto finance companies, as a professional institution that provides automobile consumer credit services, have started to emerge and grow in domestic financial markets. However, due to the imperfect personal credit system, the imperfect laws and regulations, the lack of professional talents in automobile consumer credit and other factors, the auto financing companies face a greater credit risk and how to manage the credit risk has become a major issue that affects and restricts China’s automobile The bottleneck of healthy and sustainable development of financial companies.