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随着中国加入WTO,备受国人关注的汽车行业呈现出不断发展的良好势头。伴随着汽车销售的升温,汽车消费信贷也成为各家银行业务新的增长点,继四大国有银行之后,一些股份制银行也纷纷推出风格不同的车贷业务。同时,伴随汽车消费信贷的迅速膨胀,各种风险也不断出现,敲响了防范车贷风险的警钟,加强汽车消费贷款的稽核力度已经成为迫在眉睫的问题。
With China’s accession to the WTO, much attention has been paid to the automobile industry in the People’s Republic of China showing a continuously developing momentum. With the warming of car sales, auto consumer credit has also become a new growth point for various banking businesses. Following the four state-owned banks, some joint-stock banks have also launched car loan businesses with different styles. At the same time, with the rapid expansion of automobile consumer credit, all kinds of risks are constantly appearing. As a wake-up call to guard against the risk of auto loans, it is an imminent issue to strengthen the audit on auto loan.