我国汽车金融业的发展现状及趋势展望

首先分析了国内外汽车金融业的发展状况，并从当前我国汽车金融业存在的问题入手，着重从内部和外部环境2个方面进行了分析，从而有针对性地提出了我国汽车金融服务的改革思路和解决相关问题的政策建议，并对未来发展趋势作出理性预测和判断，制度设计上更趋于合理、完善；服务质量和水平逐步与国际接轨；竞争推动下的具有中国特色的金融创新渐趋活跃。在此基础上笔者设想了一种银行一体化的营销模式，权当为未来银行汽车金融业务的开展作一有益尝试。

Development Status of Domestic Automobile Finance Industry and Its Foreseeable Future

This paper analyzes the development both of the domestic and foreign automobile finance industry. The paper begins with the analysis of the existing problems in automobile finance industry,especially focuses on the analysis from internal and external environmental factors and then comes up with ideas of reforms in the financial industry,and policy proposals to solve the relevant issues, meanwhile the future develoment trend is forecasted. So far, financial system is becoming more complete, service quality and service level are enhanced to international level, creation of financial system which has chinese features under competition has begun to revitalize. Finally, it forecasts what the financial industry will be like in the future.