As of the end of October, the balance of auto loans of commercial banks had exceeded 180 billion yuan, compared with more than 700 billion yuan at the end of last year, and personal consumption auto loans grew very rapidly. At the "2003 Beijing Auto Finance Development Forum" held on December 14, participating government officials, experts and scholars discussed the rapid growth of automotive financial services, and proposed early prevention of auto financial risks existing in the current market, ensuring that the car The rapid development of finance.
Industry experts pointed out that auto financial services have a large market space, so it is imperative to develop auto financial services. The combination of the bank's large amount of funds and the professional services of auto financial service companies can promote the healthy development of auto financial services. At the same time, it is necessary to support professional personal credit intermediary guarantee institutions to assist banks and financial service companies in developing automobile consumer loan business so as to ensure the healthy growth of this business while growing. However, it should also be noted that there is a huge risk in the growth of personal auto consumption loans. It is reported that at present, the People's Bank of China has started to establish a personal credit system and regulate the personal auto consumption loan market.
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