摘要：汽车消费信贷，简言之就是以商业银行为代表的金融机构和一些大型非金融机构给消费者购买汽车提供金融服务。20世纪，我国学习并引进了这一先进业务，但是这之后因为社会信贷体系建设不够完善以及汽车制造发展迟缓等原因，汽车消费信贷也遭受了一系列的打击，并一度被叫停。但随着改革开放的到来，汽车业急速发展，汽车消费信贷一夜爆红，迎来了前所未有的发展机遇和良好的社会环境并最终走上了光明的发展道路。但相比较与西方发达国家同一领域的发展情况而言，国内的汽车消费信贷存在一系列的问题。因此，本文对汽车消费信贷现状进行研究，找出存在的问题和症状，找到相应的解决举措，去推动我国相关领域健康有序地发展。

关键词：汽车金融  商业银行  发展建议

Abstract：Automotive consumer credit,in short,to commercial banks on behalf of financial institutions and some large non-financial institutions to provide financial services to consumers to buy cars(mainly loans).The 20th century,we learning and the introduction of this advanced business.But,after this letter because the social system to be inadequate construction and automobile manufacturing developmental delay and other reasons,automotive consumer credit also suffered a series of blows, and once was stopped.But with the arrival of the reform and opening up,the rapid development of the automotive industry,followed by automobile consumer credit also overnight explosion of red,ushered in an unprecedented development opportunities and a good social environment.But compared with Western countries,the domestic automobile consumption has a series of problems.In view of this,in-depth and meticulous automobile consumption credit status of research,to identify the problems and symptoms and find appropriate solutions initiatives to promote healthy and orderly development of China -related fields.

Key word:Automobile Finance  commercial bank  development suggestion