摘要
中国的汽车产业已成为拉动国民经济的支柱产业,而国民对于汽车消费的需求也愈
来愈强。汽车金融业作为推动汽车产业发展的重要相关行业,受到了各汽车品牌厂商、
经销商的重视,其中汽车金融消费信贷业务则作为各品牌汽车经销商帮助促进汽车销售
的主要手段。本文通过对中信银行汽车金融消费信贷新模式的介绍,再结合中国汽车消
费市场的结构及特点,并与汽车主要生产国“美德日”的汽车消费信贷模式进行对比,
研究说明及阐述了中信银行新模式的优缺点及实践应用效果,从而得出该模式在市场竞
争力和应用性方面的优势和不足,并提出合理有效的建议。

关键词:汽车金融;汽车消费信贷新模式;中信银行;竞争力和应用性
Abstract
Auto industry have been become the pillar industry in China. More and more Chinese
choose buy a car to instead of walk. So auto finance industry is promoting the development of
auto industry as an important related industry which will get more attention from each auto
manufacturer and dealer. Especially auto-consumption credit service will be an main method
to help auto dealer to promote sale. In this paper, we will introduce a new auto-consumption
credit model about China Citic Bank. We will take the new model to compare with developed
countries like America, Germany and Japan, and we also will demonstrate the new model
whether adapt to the structure and character of auto-consumption marketing in China. After
that, we will research and explain the advantage, defect and practice effect about the new
model of China Citic Bank. Then we will find advantage and insufficient in marketing
competitiveness and application of this new model. Last, we will propose some reasonable
and effective suggestions which can improve the problem.
Key words: Auto Finance; A new auto-consumption credit model; China Citic Bank;
Competitiveness and application