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当前,面对世界经济、金融形势的变化,我国采取扩大内需的政策,以促进经济增长,扩大国内需求成为拉动经济增长的关键因素,其中,消费市场的增长是最重要因素,因此,培育并促进国内消费市场的发展显得尤为重要。在国内消费市场中,私人汽车消费市场是重要的组成部分,因为,汽车工业是我国的支柱产业,附加值高,科技含量大,而私人汽车消费市场是汽车工业赖以发展的基础,特别是我国已形成买方市场,消费相对不足的背景下,培育私人汽车消费市场对国民经济发展具有重要的意义。我国经济发展水平低,居民购买力弱,必须借助银行贷款等经济手段来促进私人汽车消费,因此,一些商业银行开始试办私人汽车消费贷款业务,以促进我国汽车消费市场的发展,并扩宽自身业务发展的领域,那么,私人汽车消费贷款业务的市场前景如何,要回答这个问题,先要对我国私人汽车消费市场的现状和制约因素进行分析。
At present, in the face of changes in the global economy and in the financial situation, China’s policy of expanding domestic demand in order to promote economic growth and expand domestic demand have become the key factors driving economic growth. The growth of the consumer market is the most important factor. Therefore, To promote the development of the domestic consumer market is particularly important. In the domestic consumer market, the private car consumer market is an important part because the auto industry is a pillar industry in our country with high added value and high technology content. The private car consumer market is the basis for the development of the automobile industry. In particular, Under the background that our country has formed a buyer’s market and the consumption is relatively insufficient, it is of great significance to nurture the private car consumer market for the development of the national economy. Because of the low level of economic development and the weak purchasing power of residents in China, we must use economic means such as bank loans to promote private car consumption. Therefore, some commercial banks started to pilot the private car consumer loan business to promote the development of China’s automobile consumer market and expand its own Business development, then, private car consumer loan business market prospects, to answer this question, we must first of China’s private car consumer market status and constraints of the analysis.