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li yi bo zuo yu feng xian kong zhi : qi che xiao fei dai kuan ye wu fa zhan de yun zuo shi jiao dui gan su sheng bai yin shi qi che xiao fei dai kuan qing kuang de de diao cha
Author(s): 
Pages: 55-56
Year: Issue:  12
Journal: Xi'an Finance

Keyword:  汽车贷款 风险控制 发展策略;
Abstract: 近年来,汽车产业逐步成为国民经济增长的支柱产业之一。白银市通过银企互动,联合经营;保企联保,双重控险;严格管理,规范运行,推动了汽车消费贷款业务的发展。但是由于汽车消费信贷显性风险和隐性风险较大;汽车消费信贷关联各方责、权、利的非对等性;外部环境欠佳,扶持力度不够等因素的制约,汽车消费贷款发展受到了一定的限制。因此,建议尽快建立和完善个人资信等级评估标准和制度;制定灵活的营销策略,满足不同消费对象的需求;从依法维权的角度规范银行与汽车经销商、保险公司间的合作,构筑风险防范的坚实屏障;加大银行内控监管力度等措施加以改进。
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