我国汽车消费金融可持续发展研究

湖南大学硕士学位论文我国汽车消费金融可持续发展研究姓名：林胜申请学位级别：硕士专业：金融学指导教师：龙海明20070416IIIAbstractAutomobileConsumerFinancereferstothesustenanceoffinancingduringthewholeprocessaboutbefore,inandaftersaletosupporttheconsumerstobuyanautomobile,aswellastherelativefinancialservicesofinsuranceandassurance,etc.Itisanimportantpartofconsumerfinanceandhasagoodfutureinourcountry.Thesustainabledevelopmentofautomobileconsumerfinancehasanactiverealisticsignificance.Inourcountry,wefullyhavetherealisticadvantagetocarryoutthesustainabledevelopmentofautomobileconsumerfinancewhichhasbeendevelopedincertaindegree.Atpresent,weshouldstartwiththedesignofprofitmode,thecontrolofcreditrisk,theconstructionofexternalenvironment,etc,inordertoimprovethesustainabledevelopmentofautomobileconsumerfinancefully.Thedesignofprofitmodeisthecoreofthesustainabledevelopmentofautomobileconsumerfinance.Inourcountry,inordertoformthereasonablestructureandeffectiveoperationprofitmodesystemofautomobileconsumerfinance,weshouldchooseandapplyallkindsofprofitmodesgradually,accordingtothedevelopmentconditionsandenvironment,atthebaseofclassificationbetweenbasicprofitmodeandinnovativeprofitmode.Inthesametime,weshouldalsouseeffectivemeasurestoprotecteverydevelopmentoftheprofitmodes.Thecontrolofcreditriskisthekeytothesustainabledevelopmentofautomobileconsumerfinance.Weshouldbuildperfectearly-alertsystemofcreditrisk,andbuildinternalcontrolmechanismtoprovidethecreditriskofautomobileconsumerfinanceeffectively.Inthesametime,theriskdispersedmechanismandtheriskcompensationmechanismshouldbebuilttosolvetheobjectivecreditriskfully.Theconstructionofexternalenvironmentistheguaranteeofthesustainabledevelopmentofautomobileconsumerfinance.Oneside,weshoulddevelopallkindsofautomobileconsumerfinancesystemsandcultivateperfectautomobileconsumerfinanceservicesystems.Ontheotherside,weshouldenhancetheenvironmentconstructionsofconsumer,socialassurance,automobilemarket,financialregulation,todevelopthemarketenvironmentofautomobileconsumerfinanceinourcountry.KeyWords:AutomobileConsumerFinance;SustainableDevelopment;ProfitMode;CreditRisk;ExternalEnvironment1.1..................72.1....................................................................................113.1..............................................173.2.......................................233.3....................................................................................243.4.....................................................................284.1.....................................................................304.2.............................................................314.3.....................................................................324.4.............................................................................334.5.............................................................................344.6.............................................................................354.7....................................................................................364.8.....................................................................374.9.................................................................385.1.................................................................445.2.........................................................................465.3.....................................................................475.4.............................................................505.5.............................................................526.1.............................................................................552.1.................................................................143.12004.........................................................173.22001-2003................................................193.3.................................................................203.4.....................................................................213.5......................................................223.6.............................................................................233.8.................................................................251______25111.119982001-200343611501839105%20046183310.2%2004TGDP100020%20106%50%20500020%-30%80%-85%70%44%22004917411042004100080%1.21.2.1202031Fisher(1930)HirshleiferJ(1958)JusterL.T.ShayR.P.(1964)FrancoMongolian(1954)MiltonFriedman(1957)[1]2(1949)[2]3AizcorbeKennickellMoore(2003)200184%68%[3]AizcorbeStarr-McCluer(1997)[4]AizcorbeStarrHickman(2003)[5]DasguptaSiddarthSilva-Risso(2003)[6]AizcorbeStarrHickman(2003)200180%[5]20027000[7]4[8]DasguptaSiddarthSilva-Risso(2003)1999920001024%35%40%[6]ManneringWinston4Starkey(2002)65451.6%28.1%20.3%[9]1.2.21(2003)[10](2004)[11](2005)[12]2(2003)[13](2003)[14](2003)[15]3(2003)[16](2003)[17]5(2004)[18](2004)[19](2003)[20](2005)[21](2005)[22]1.31.3.161.3.271.11.1822.1206019871989251995.W.(Raymond.W.Goldsmith)(1969)[23]·I·(R.I.Mckinnon)(1973)[24]·(E.S.Shaw)(1973)[25]9(1998)[26](1998)[27](2004)[28]2.22.2.11(CRRAconsta