在中国汽车已经成为超过教育的第二种最适合信贷消费的对象,到2005年我国有购车能力的家庭将达到4200万户,显示出国内汽车信贷消费市场的巨大潜力和空间。但是,现行的汽车信贷消费政策已经制约了汽车信贷市场的发展。央行采取适度发展的原则,在延长贷款期限,改变借款主体、消户口限制等五个方面对汽车 In China, automobiles have become the second most suitable type of education for credit consumption. By 2005, China’s population with a car-buying capacity will reach 42 million, showing great potential and room for the domestic automobile credit consumer market. However, the current automobile credit consumption policy has restricted the development of automobile credit market. The central bank to take the principle of proper development, in the extension of the loan deadline to change the main borrowers, restrictions on consumer accounts and other aspects of the car