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在汽车业的发展过程中 ,资金问题始终是一个瓶颈问题 ,为了解决这个问题 ,汽车金融这一特殊的金融形式出现了 ,它的出现较好地解决了在汽车生产、销售和消费过程中的资金融通问题。随着我国加入WTO ,汽车金融将进入我国 ,一方面将对我国的汽车业的发展产生积极的影响 ,另一方面也会对包括保险在内的传统金融服务行业提出挑战。我国保险业应当以一种积极态度和创新理念应对 ,探索传统业务与汽车金融的结合 ,以实现在新的历史时期业务的持续发展
In the process of automobile industry development, the capital issue has always been a bottleneck problem. In order to solve this problem, the special financial form of auto finance appeared. Its emergence has better solved the problems in the process of automobile production, sales and consumption Financing problem. With China’s accession to the WTO, auto finance will enter China. On the one hand, it will have a positive impact on the development of China’s auto industry. On the other hand, it will also challenge the traditional financial services industry including insurance. China’s insurance industry should respond with a positive attitude and innovative ideas to explore the combination of traditional businesses and auto finance so as to realize the sustainable development of business in the new historical period