【正文】 畢 業(yè) 設(shè) 計(jì)（論文） 題 目： 贛州市章貢區(qū) 消費(fèi)者選擇商業(yè)銀行汽車消費(fèi)貸款行為因素調(diào)查 系 部： 經(jīng)濟(jì)管理系 專 業(yè) ： 金 融 學(xué) 班 級(jí)： 102班 學(xué) 號(hào)： 020xx410242 學(xué) 生： 童鵑 指導(dǎo)教師： 劉立剛 完成時(shí)間： 20xx年 05月 贛州市章貢區(qū) 消費(fèi)者選擇商業(yè)銀行汽車消費(fèi)貸款行為因素 調(diào)查 摘 要 汽車消費(fèi)貸款不僅刺激了消費(fèi)、擴(kuò)大了內(nèi)需，而且對(duì)于推動(dòng)國(guó)民經(jīng)濟(jì)增長(zhǎng)具有重大的意義。隨著汽車消費(fèi)貸款業(yè)務(wù)的不斷發(fā)展， 隨之而來的是 汽車消費(fèi)貸款問題不斷顯現(xiàn)出來，只有不斷完善汽車消費(fèi)貸款市場(chǎng)出現(xiàn)的問題，才能促進(jìn)汽車消費(fèi)貸款業(yè)務(wù)持續(xù)、穩(wěn)定、健康地發(fā)展，其中消費(fèi)者是這個(gè)市場(chǎng)的重要參與者之一，因此有必要對(duì)消費(fèi)者選擇商業(yè)銀行汽車消費(fèi)貸款的影響因素進(jìn)行分析。選取贛州市章貢區(qū)的消費(fèi)者為調(diào)查對(duì)象，對(duì)一般消費(fèi)者在選擇商業(yè)銀行汽車 消費(fèi)貸款時(shí)考慮的因素進(jìn)行分析，另外參考了一些學(xué)者對(duì)汽車消費(fèi)貸款市場(chǎng)存在的問題和相關(guān)的建議的研究。本文的主要研究結(jié)論是：首先，贛州市章貢區(qū)的消費(fèi)者在選擇商業(yè)銀行汽車消費(fèi)貸款時(shí)的影響因素有，“手續(xù)簡(jiǎn)便”、“貸款利率低”、“貸款額度大”、“服務(wù)好”和“其他”，其中“手續(xù)簡(jiǎn)便”、“貸款利率低”、“貸款額度大”、“服務(wù)好”是消費(fèi)者比較看重的因素。其次，針對(duì)汽車消費(fèi)貸款存在的問題提出如下幾點(diǎn)建議：（ 1）建立和完善個(gè)人信用制度（ 2）建立和完善汽車消費(fèi)貸款法律法規(guī)（ 3）建立多元化汽車消費(fèi)貸款營(yíng)銷模式（ 4）徹底轉(zhuǎn)變觀念。 關(guān)鍵詞：消費(fèi)者； 汽車消費(fèi)貸款；影響因素；問卷調(diào)查；建議 Investigation of automobile consumption loan of mercial banks of consumer choice behavior factors Abstract Automobile consumption loans not only stimulate consumption, expanding domestic demand, but also for promoting the growth of the national economy is of great significance. But with the development of car consumer credit business, existing automobile consumption loans problems continue to appear, and only by constantly improving automobile consumption loan market problems, in order to promote the business of automobile consumption loans continued, stable and healthy development, of which the consumer is one of the most important participant in the market, so it is necessary to consumer choice factors influencing the automobile consumer loans of mercial banks were analyzed. Zhanggong District of Ganzhou city were selected for the survey of consumers, consumers in the choice of factors generally automobile consumption loans of mercial banks into the analysis, in addition to study the existing reference automobile consumption loan market problems and suggestions of some scholars. The main conclusions of this study are: firstly, Zhanggong District of Ganzhou City, consumers in the choice of car consumption loans of mercial banks are the factors, simplicity, low interest rates, loan, good service and other, which convenient application procedures, loan interest rates low, loan, good service is the consumer values factors. Secondly, in view of the existing automobile consumption loan problems put forward the following suggestions: (1) establish and perfect personal credit system (2) to establish and perfect the laws and regulations of automobile consumption loans (3) to establish a diversified auto loan marketing mode (4) pletely change their concepts. Keywords: consumers。 automobile consumption loans。 influence factor。questionnaire survey。suggestions 目 錄 1 緒 論 ............................................................................................................... 1 研究背景 .................................................................................................... 1 研究目的及意義 ........................................................................................ 1 主要的研究?jī)?nèi)容及方法 ............................................................................ 1 研究?jī)?nèi)容 ........................................................................................... 1 研究方法 ........................................................................................... 1 2. 商業(yè)銀行汽車消費(fèi)貸款影響因素分析 ............................................................ 2 樣本描述 .................................................................................................... 2 消費(fèi)者對(duì)汽車消費(fèi)貸款的認(rèn)知情況和選擇情況 ...................................... 3 消費(fèi)者 了解汽車消費(fèi)貸款的途徑 .................................................... 3 消費(fèi)者選擇商業(yè)銀行汽車消費(fèi)貸款的情況 ..................................... 3 消費(fèi)者選擇商業(yè)銀行汽車消費(fèi)貸款原因分析 ................................. 3 消費(fèi)者對(duì)商業(yè)銀行服務(wù)滿意度調(diào)查 ................................................ 4 影響商業(yè)銀行汽車消費(fèi)貸款行為 因素分析 ...............