本文選題：信用卡 + 汽車消費(fèi)信貸　； 參考：《浙江大學(xué)》2014年碩士論文

【摘要】：汽車消費(fèi)信貸的發(fā)展對(duì)于推動(dòng)汽車工業(yè)的發(fā)展有重要的意義。汽車屬于大宗耐用消費(fèi)品,而大宗耐用消費(fèi)品對(duì)于拉動(dòng)經(jīng)濟(jì),擴(kuò)大內(nèi)需有巨大的作用。汽車消費(fèi)成為了繼房地產(chǎn)消費(fèi)之后我國(guó)消費(fèi)結(jié)構(gòu)升級(jí)的重要保證�？v觀國(guó)際汽車發(fā)展歷史,汽車信貸對(duì)于西方發(fā)達(dá)國(guó)家如歐美日韓,甚至對(duì)于發(fā)展中國(guó)家如印度的汽車消費(fèi)貢獻(xiàn)率都超過了60%,而在我國(guó)由于汽車消費(fèi)信貸起步比較晚,發(fā)展過程中遇到一些錯(cuò)綜復(fù)雜的問題,對(duì)于汽車消費(fèi)的貢獻(xiàn)率不足20%,遠(yuǎn)遠(yuǎn)低于國(guó)際平均水平。因此汽車消費(fèi)信貸在我國(guó)有巨大的發(fā)展空間。在我國(guó)汽車消費(fèi)貸款的發(fā)展過程中,近年來信用卡購(gòu)車貸款發(fā)展迅猛,已經(jīng)成為各大銀行中間業(yè)務(wù)的主要增長(zhǎng)點(diǎn)。因此信用購(gòu)車分期付的研究具有重要的理論意義和實(shí)際意義。 本文主要研究?jī)?nèi)容如下： 第一章緒論部分首先介紹選題的背景及研究意義；其次詳細(xì)的介紹了國(guó)內(nèi)外的研究現(xiàn)狀；最后提出了本文所要研究的內(nèi)容提要和研究方法。 第二章首先簡(jiǎn)要介紹了汽車消費(fèi)信貸的基本理論,針對(duì)汽車消費(fèi)信貸的概念,市場(chǎng)主體,表現(xiàn)特征等方面進(jìn)行了探討；其次簡(jiǎn)要分析了我國(guó)汽車產(chǎn)銷市場(chǎng)的發(fā)展,指出汽車消費(fèi)信貸具有廣闊的發(fā)展空間,同時(shí)根據(jù)有關(guān)數(shù)據(jù)得出我國(guó)居民人均收入水平在穩(wěn)步增長(zhǎng),但是消費(fèi)水平下降。緊接著本節(jié)進(jìn)行了影響我國(guó)汽車消費(fèi)信貸發(fā)展的因素分析,分別從汽車消費(fèi)和使用環(huán)境,居民消費(fèi)觀念和消費(fèi)水平以及信用制度的建設(shè)等方面進(jìn)行闡述。最后分析了汽車消費(fèi)信貸發(fā)展的意義,具體為：汽車消費(fèi)信貸有利于快速盤活銀行貸款存量,優(yōu)化貸款增量,提高資金利用率,同時(shí)帶來優(yōu)質(zhì)的客戶資源；使大多數(shù)人有機(jī)會(huì)提前實(shí)現(xiàn)自己的購(gòu)車夢(mèng),提高人民的生活水平；可以幫助其增加銷量,及時(shí)收回銷售資金。有利于推動(dòng)我國(guó)個(gè)人征信體系的建設(shè)和發(fā)展。有利于擴(kuò)大消費(fèi),拉動(dòng)內(nèi)需,促進(jìn)經(jīng)濟(jì)增長(zhǎng)。 第三章首先簡(jiǎn)要介紹信用卡及信用卡消費(fèi)分期付款的基本理論,詳細(xì)介紹信用卡購(gòu)車分期付的定義,業(yè)務(wù)流程,市場(chǎng)發(fā)展?fàn)顩r等。其次介紹汽車消費(fèi)信貸的兩種模式,分析這兩種模式的利弊,指出信用卡購(gòu)車分期付款采用這種模式的相對(duì)優(yōu)越性。最后針對(duì)信用卡購(gòu)車分期付款模式進(jìn)行詳細(xì)分析并與汽車金融公司汽車貸款進(jìn)行比較分析該業(yè)務(wù)的優(yōu)勢(shì)與劣勢(shì)。 第四章介紹信用卡購(gòu)車分期付款的模型背景,指出信用卡購(gòu)車分期付款采用這種以銀行為主導(dǎo)的“直客”式模式。在新車貸險(xiǎn)條款下,保險(xiǎn)公司根本無風(fēng)險(xiǎn)可保,銀行無興趣與保險(xiǎn)公司合作開辦新車貸險(xiǎn)業(yè)務(wù),而汽車經(jīng)銷商基本不存在經(jīng)營(yíng)風(fēng)險(xiǎn)。于是主要的利益矛盾就存在于銀行和消費(fèi)者之間。其次信用卡購(gòu)車分期付款的有關(guān)購(gòu)車合同中,針對(duì)消費(fèi)者出現(xiàn)三次違約或未按照合同約定支付手續(xù)費(fèi)或者消費(fèi)者資信或者財(cái)務(wù)狀況發(fā)生惡化等情況,建立銀行-消費(fèi)者博弈模型,從微觀上分析雙方的利益訴求。最后進(jìn)行了影響消費(fèi)者還款的因素分析,分別從汽車普遍降價(jià)幅度過高,貶值速度過快；消費(fèi)者資金周轉(zhuǎn)出現(xiàn)問題；信用懲罰機(jī)制不健全等三方面解釋了消費(fèi)出現(xiàn)還款問題的原因。 第五章主要是針對(duì)杭州某銀行信用卡購(gòu)車分期付款的案例分析。首先介紹了某銀行信用卡購(gòu)車分期付款業(yè)務(wù)基本情況并作了簡(jiǎn)要分析。針對(duì)個(gè)人經(jīng)營(yíng)貸款的總體情況分別從貸款增量,個(gè)人消費(fèi)貸款的收益,個(gè)貸中間業(yè)務(wù)收入,以及個(gè)人汽車貸款的收益,風(fēng)險(xiǎn)控制,業(yè)務(wù)流程等方面進(jìn)行了簡(jiǎn)要分析。其次,分析了某銀行與消費(fèi)者的博弈關(guān)系,分別從車價(jià),車型,消費(fèi)者的行業(yè)以及收入和房產(chǎn)所有等方面深入探討了銀行與消費(fèi)者之間的利益矛盾關(guān)系。最后進(jìn)行了銀行在推動(dòng)信用卡購(gòu)車分期付款發(fā)展的措施分析。 第六章是結(jié)論和展望。信用卡購(gòu)車分期付款具有廣闊的發(fā)展前景,但是在發(fā)展過程中仍然存在一些問題,如車輛貶值問題的的模型分析,二手車市場(chǎng)的規(guī)范措施等仍需要做進(jìn)一步的分析研究。
[Abstract]:The development of automobile consumer credit is of great significance to promote the development of automobile industry . The automobile belongs to the large - scale durable consumer goods , and the consumption of commodities is an important guarantee for the promotion of consumption structure in China after real estate consumption .

The main contents of this paper are as follows :

The first chapter introduces the background of the topic and the significance of the research .
Secondly , the present situation of research at home and abroad is introduced in detail .
In the end , the content and research methods to be studied in this paper are put forward .

In the second chapter , the basic theory of automobile consumer credit is briefly introduced , and the concept , market subject and performance characteristics of automobile consumer credit are discussed .
Secondly , the paper analyzes the development of automobile production and marketing in our country , points out that automobile consumer credit has a broad development space . At the same time , according to the relevant data , the author expounds the factors that affect the development of automobile consumption credit , and analyzes the significance of the development of automobile consumer credit .
so that most people have the opportunity to realize their own car dream in advance and improve the living standard of the people ;
It is beneficial to promote the construction and development of personal credit system in our country . It is beneficial to expand consumption , pull domestic demand and promote economic growth .

In chapter 3 , the basic theory of credit card and credit card consumption installment payment is briefly introduced . The definition , business process and market development status of credit card purchase and purchase installment payment are introduced in detail . Secondly , two modes of automobile consumer credit are introduced , and the advantages and disadvantages of these two modes are analyzed .

The fourth chapter introduces the model background of credit card purchase installment payment , and points out that the credit card purchase and purchase installment payment adopts the " direct passenger " mode dominated by the bank . Under the new loan risk clause , the insurance company has no risk to guarantee , the bank is not interested in cooperating with the insurance company to start the new car loan insurance business , and the automobile dealer basically does not have the business risk .
There is a problem in the turnover of the consumer ' s funds ;
The reasons for the repayment of consumption are explained in three aspects , such as imperfect credit penalty mechanism .

The fifth chapter is mainly about the case analysis of the credit card purchase installment payment in Hangzhou . First , it introduces the basic situation of the credit card purchase and installment payment business of a bank , and makes a brief analysis on the general situation of the individual business loan . Secondly , it analyzes the game relation between the bank and the consumer , and analyzes the relationship between the bank and the consumer from the car price , the model , the consumer ' s industry , the income and the property . Finally , the bank ' s measures to promote the payment development of the credit card purchase vehicle are analyzed .

The sixth chapter is the conclusion and prospect . The credit card purchase installment payment has a broad prospect , but there are still some problems in the development process , such as the model analysis of the problem of the depreciation of the vehicle , the norm measure of the second - hand car market , and so on .
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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本文編號(hào)：2077751