为配合国家刺激消费、扩大内需、保持国民经济适度稳定发展的宏观经济政策,各金融机构普遍开展了汽车消费贷款业务。由于我国个人信用体系尚未建立,个人消费信贷业务人员缺乏,作为贷款抵押物的汽车难于控制、处置变现不易等原因,造成银行风险较大,业务处理手续烦琐,制约了汽车消费信贷业务的开展。为此,信贷人员普遍要求在业务处理中既要求借款人用所购汽车作抵押担保,又希望经销商提供某种保障,以便在贷款出现风险时能首先扣收经销商的款项,而避免控制和处置抵押物的困难。为解决这一问题,在我国的汽车消费贷款实践中,出现了抵押加保证、保证加抵押反担保、抵押加回购保证等多种 In line with the macroeconomic policies of the State stimulating consumption, expanding domestic demand and maintaining a moderate and stable development of the national economy, various financial institutions have carried out the automobile consumer loan business in general. As China’s personal credit system has not yet been established, the lack of personal consumer credit business, the car as a loan collateral difficult to control, easy to handle and other reasons, resulting in a larger bank risk, business processing procedures cumbersome, restricting the development of automobile consumer credit business. For this reason, credit officers generally require that both the borrower and the automobile dealer be required to provide security for the business vehicle in the business process, and that the dealer be provided with some kind of security so as to be able to deduct the dealer’s money first when the loan is at risk and avoid the control And the disposal of collateral difficulties. In order to solve this problem, in our car loan practice, there are a variety of mortgage plus guarantee, mortgage plus anti-guarantee, mortgage and repo guarantee