摘要
近年来,我国汽车产业发展迅猛,并且销量连续四年蝉联世界第一。但是我国汽车金融市场的发展相比于国外成熟的市场要相对落后。随着近年来新车销售增长率的下降,大量汽车企业集团把盈利重点逐渐转向汽车金融市场,且这一市场的发展潜力巨大,这对业务规模小、种类少的中小银行来说,无疑是业务转型、寻找新利润增长点的好时机。本文详细介绍了我国商业银行发展汽车金融的历程,在分析汽车金融公司和中小银行优劣势的基础上,提出了中小银行发展汽车金融的建议。
In recent years, China＇s automobile industry has developed rapidly, and the car sale has ranked the first place in the word for four consecutive years. However, in comparison with foreign mature markets, the development of auto finance market in China is relatively backward. With the decline of the sale growth of new cars, a large number of automobile enterprises gradually turn their profit focus to auto finance market. Moreover, there exists a huge potential development in the market, so it is no doubt that this market is a good opportunity to transform business and search for new profit growth point for small and medium-sized banks which are small in scale and have not various business. The paper introduces the tortuous development course of auto finance of commercial banks in China in detail, and puts forward suggestions on the development of auto finance for small and medium-sized banks on the ba- sis of the analysis of advantages and disadvantages of automobile financial comnanies and small and medium-sized banks.
出处
《西部金融》
2013年第4期55-58,共4页
West China Finance
关键词
中小银行
汽车金融公司
汽车消费信贷
small and medium-sized bank
automobile financial company
automobile consumption credit
