博尔塔拉翻译公司关键字：with full civil capacity and ability to pay down payment, the emphasis on the legal requirements of a stable income sufficient to repay the loan principal and interest or personal legal assets, and fixed with a valid proof of identity and address details.Another reason is because the car price competition, leading consumers of psychological errors. Prices fall too much too fast is a substantial increase in automobile consumption credit the main reason for bad debts, car buyers feel the continuous depreciation of the car before buying, instead of continuing the loan, might as well buy a new car, while the bank is at most taking away the car, there is no better reminder of the loan approach, results are predictable, the value of used cars is certainly not enough to offset the loans, the bank's car loan bad debt can only be climbing.In other countries, because a sound system of personal credit, mortgage system is perfect, all financial activities are credit company record, and its network, eliminating the need for banks to identify the applicant's complex labor-related information, not only saving the cost of borrowing, but also simplicity of the loans. In addition, foreign legal environment improve, not only to curb the illegal acts of automobile consumption credit, but also violations occur when a timely manner.
The development of China's automobile consumption credit is the fundamental way: First, establish a sound credit system; second is to improve the legal environment; third is to improve the quality of consumers.2 issue of financial institutionsInternationally, car sales are mainly three types of financial institutions: First Commercial Bank; two independent finance company or finance company; third car company's proprietary financial institutions (see table).Advantage of commercial banks funded, however, wide range of businesses, it is difficult to focus on automobile sales financing. Motor Company owned financial institutions, professional and strong, close relationship with the automobile production and sales, car sales will help focus on financing, but financing capacity is often limited. And independent finance companies or finance companies, is somewhere in between.In the United States and Europe, only 20% of the car finance business from the bank also offering 80% market share occupied by the car finance company.3 issue of Credit Guarantee CorporationWhen popular in developed countries, car loans, my car because of credit risk is difficult to break through the bottleneck and stalled. Banking sector that has not been established credit model cars, there procedures are complex, slow, lack of higher fees, which some of the bottlenecks can only rely on professional