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目前我国汽车消贷渗透率仅为10%左右,而十年前愿意选择贷款买年的客户屈指可数,未来十年或将提高到30%从中国人民银行1998年正式批准开展汽车消费信贷业务以来,我国的汽车消费金融业务实现了飞速发展。2001年,全国汽车消费信贷余额为436亿元,据中国人民银行统计,截至2008年年底,全国各金融机构共发放汽车消费贷款余额1583亿元,截至2011年底,汽车消费金融市场余额已经突破3000亿元。2004年10月1日,银监会出台了《汽车贷款管理办法》,进一步规范了汽车消费信贷业务。汽车消费信贷业务在近几年
At present, China’s car loan-to-consumer penetration rate of only about 10%, and ten years ago, the number of customers willing to choose to buy loans to be counted on hand, the next ten years or will be increased to 30% from the People’s Bank of China in 1998 formally approved the development of automobile consumer credit business Since then, China’s automobile consumer finance business has achieved rapid development. In 2001, the national credit balance of automobile consumption was 43.6 billion yuan. According to the statistics of the People’s Bank of China, as of the end of 2008, a total of 158.3 billion yuan of auto consumer loans were issued by financial institutions across the country. As of the end of 2011, the balance of auto consumer financial markets exceeded 3000 100 million yuan. On October 1, 2004, China Banking Regulatory Commission (CBRC) promulgated the Measures for the Administration of Auto Loans to further regulate the automobile consumer credit business. Automobile consumer credit business in recent years