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据称,目前我国个人汽车信贷消费占购车总体的比例正从20%逐步向30%迈进。有数据显示,截至2003年底,汽车消费贷款的余额已达1800多亿元,国内银行有超过945亿元的个人汽车贷款无法回收。 据悉,银监会从6月上旬开始清查银行汽车贷款的相关账簿。将着力检查各银行的拖欠贷款尤其是违规行为,检查汽车贷款审查不严和欺诈等问题。可以确信,银行监管方对汽车贷款业务中存在的欺诈行为进行清查整治已是箭在弦上。
Allegedly, China’s personal car credit consumption as a proportion of the overall car is gradually moving from 20% to 30%. Statistics show that as of the end of 2003, the balance of auto consumer loans reached more than 180 billion yuan and that more than 94.5 billion yuan of personal auto loans from domestic banks failed to be recovered. It is reported that the CBRC began to check the bank’s auto loan related books from the beginning of June. Efforts will be made to check the banks’ defaulted loans, especially irregularities, and to examine issues such as lax car inspection and fraud. It is safe to assume that bank regulators are on the cutting edge of inventory frauds that exist in the auto loan business.