当前,商业银行发放的个人汽车消费贷款出现了不能按期收回、贷款风险开始显现的问题,此种贷款的发展处于一种进退两难的地步。对此历史地分析其原因,有必要建立健全规范的内部管理制度和科学合理的工作流程,并以建立个人信用信息档案为基础,实行个人信用基础数据库的共享,为汽车消费贷款发展突破“瓶颈”。 At present, the individual automobile consumer loans issued by commercial banks have failed to be recovered on schedule and the risk of loans has begun to appear. The development of such loans is in a dilemma. This historical analysis of the reasons, it is necessary to establish a sound and standardized internal management system and scientific and reasonable workflow, and to establish personal credit information files based on the implementation of personal credit database based on the sharing of the development of consumer loans for the breakthrough “bottleneck ”.