摘要
从根源上分析了个人汽车消费信贷业务开展过程中违约行为大量增加的两个主要原因:汽车市场结构和价格变化;制度不健全及法律约束不到位。对此,政府、贷款人和厂商只有承担起各自所应承担的义务和责任,才能有效地降低和消除这项业务开展过程中的违约风险。
This paper introduces that there are many agreement-violating problems coming up with the rapid development of personal vehicle consumption credit business. It suggests that two main factors contribute to the problems and government, creditor and the car manufacturers should take their own obligations and responsibilities in these cases to decrease and get rid of the risk of agreement violating in the development of the business.
出处
《武汉职业技术学院学报》
2005年第5期60-63,共4页
Journal of Wuhan Polytechnic
关键词
个人汽车
消费信贷
违约
信用
personal vehicle-consumption-credit
agreement violating
credit
作者简介
王志伟（1972-），江苏无锡人，无锡商业职业技术学院贸易经济系讲师，经济学硕士，主要从事金融、经济法研究。
