中国进口汽车抵押融资问题研究
随着中国汽车生产和消费市场的快速发展,汽车金融市场已经成为中国金融市场的中的一片新领域,其中汽车车载证书质押融资产品不断出现。为保证作为金融服务行业的一个分支的汽车金融行业能够得到更快更好的发展,我国应当应该抓住机遇,尽快进入汽车金融市场,同时扩大经营范围。在中国,“汽车金融”的意思基本上仅仅是指汽车消费信贷。但在国外,汽车消费信贷只是汽车金融领域中的冰山一角。汽车的质押融资不仅可以解决消费金融的问题,同时也可以解决整个汽车行业生产、流通和消费的资本运作问题,它是汽车金融产品的发展,风险控制中的优势项目。汽车金融公司的引入,不仅解决了汽车经销商资金周转的资金使用效率,同时也为汽车进口贸易的可持续发展发挥着作用。我将在对中国进口汽车抵押融资这一情况进行实地调查。
毕业论文关键词：进口车 抵押融资 全球价值链 产业结构协调化 国际产业分工
Abstract:
In late twentieth Century, the global economy appears new characteristics, with the convergence and information technology revolution provides a system and technical innovation to the specialization of labor, so the international pision of labor has evolved into the global value chain specialization. This requires that all countries make full use of its comparative advantages to assume different production aspects, China must develop our own advantages, agglomeration and cultivate high-level production elements, a dynamic competitive advantage, to improve the global value chains specialization status, so as to improve the industrial structure of China, realizing the sustainable development of economy. to improve its position in the value chain to achieve harmonization adjustment and promote the rapid development of China’s economy.
With the rapid development of China's automobile production and consumption market, auto financial market has become China's financial market of a new land, the generation of an auto financing company, "shang tong" mode, car certificate pledge financing product appear constantly. Assurance as a branch of the financial services industry, should seize the opportunity, as soon as possible into the automobile financial markets, expand the scope of business. In China, automobile financial meaning is almost all automobile consumer credit. But in foreign countries, automobile consumption credit is but the tip of the iceberg for auto financing. Auto financing is not only solve the problem of consumer finance, it is to solve the whole production, circulation and consumption of capital operation, in the development of auto financial products, risk control has the advantage of the professional. Form or the introduction of an auto financing company, in solving the dealer service efficiency of funds of capital turnover, for the sustainable development of the automobile import trade will play a limited role.The author in the mortgage finance imported cars in China through the on-the-spot investigation.