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随着我国国民经济长期高速增长和人民生活水平的提高,汽车市场迅猛发展,这给商业银行带来了巨大商机,同时也使汽车消费信贷潜伏着不容忽视的风险。本文围绕商业银行个人汽车消费信贷业务发展情况,剖析业务快速增长的原因及风险状况,研究对策,以期对该项业务的规范经营、健康持续发展有所参考。
With the rapid growth of our national economy and the improvement of people’s living standards, the rapid development of the automobile market has brought tremendous business opportunities to commercial banks. At the same time, the risks of automobile consumer credit lurk at a risk that can not be ignored. This paper focuses on the development of personal automobile consumer credit business in commercial banks, analyzes the causes and risk status of the rapid business growth, and studies countermeasures in the hope of making reference to the normal operation and healthy and sustainable development of the business.