2009-2012年中国汽车金融行业运行态势与投资前景分析报告新关于
在我国，汽车金融服务的主要内容是汽车消费信贷业务，该业务的主体主要涉及银行、汽车经销商、汽车集团财务公司以及其他非银行金融机构。 According to each subject in the credit business process Zhongsuo its responsibilities and the degree and Xiaofei Zhe Guan Lian different Muqianguonei car Xiaofeixindai profit Yunzuomoshi Keyifenwei three kinds: Yi Yin Hang Zhi Jie as the main mode, the sales business model as the main Jianjie and non-bank financial institutions as the main body of the direct model.按照各主体在信贷业务过程中所承担职责及与消费者关联度的不同，目前国内汽车消费信贷盈利运作模式可以分为3种：以银行为主体的直接模式，以销售商为主体的间接模式和以非银行金融机构为主体的直接模式。 According to China Banking Regulatory Commission regulations, automotive finance companies engaged in the business are: acceptance of its shareholders in more than 3 months maturity deposits; to provide car loans; handle the procurement of vehicles dealer loans and business equipment loans; transfer and sale of auto loan receivables business models; to financial institutions; to guarantee loans to car buyers; engaged in car financing activities related to agency business; and approved by the China Banking Regulatory Commission and other business and so on.根据中国银监会规定，汽车金融公司可以从事的业务有：接受境内股东单位3个月以上期限的存款；提供购车贷款业务；办理经销商采购车辆贷款和营运设备贷款；转让和出售汽车贷款应收款业务；向金融机构贷款；为贷款购车提供担保；从事与购车融资活动有关的代理业务；以及经中国银监会批准的其他业务等。 Development of financial services with foreign car than auto financial services business in China's development is far from species to achieve the desired level.与国外汽车金融服务发展相比，我国汽车金融服务在经营品种的开发方面还远未达到应有的水平。