汽车金融公司在我国发展的障碍及对策研究

从汽车金融公司的概念和特征出发,通过法律上的规制、个人信用体系、人才资源、国内大型汽车公司设立汽车金融公司的意愿等方面分析汽车金融公司在我国发展的障碍,并针对障碍提出汽车金融公司应加强与商业银行和保险公司的合作,实施汽车金融服务人才培养与引进战略,银行和企业应构建资源共享的个人征信体系,大型汽车厂家应大力推进设立汽车金融公司的进程等对策。

Research on Obstacle of and Countermeasures for Development of Auto Finance Company in China

Beginning with the concept and character of the auto finance company, the paper analyzed some disadvantages such as stipulations of law, individual credibility systems, human talent resources, the aspiration of Setting up the auto finance company ,which prevent or restrict the development of the auto finance companies. Aiming at these problems, the paper pointed out Auto finance company should promote intercollegiate exchanges and cooperation with commercial banks and insurance agents, should train and introduce into auto finance service talents ,and should set up the individual credibility system sharing between banks and corporations. Large auto companies should speed up the course to set up auto finance companies.