【正文】 下一步或是今后商業(yè)銀行與汽車廠商和消費者之間的一種連接紐帶作用提供依據(jù)。當(dāng)今，中國汽車信貸市場已經(jīng)進(jìn)入競爭階段， 多種消費模式已經(jīng)滲透進(jìn)大眾生活當(dāng)中。因此 ,有必要對我國商業(yè)銀行消費貸款影 響因素進(jìn)行深入探究。隨著我國汽車工業(yè)的迅猛發(fā)展，汽車金融服務(wù)的發(fā)展一直處于滯后狀態(tài)，將越來越成為制約汽車行業(yè)發(fā)展的瓶頸。據(jù)統(tǒng)計，在歐洲發(fā)達(dá)國家，通過汽車消費信貸出售的汽車數(shù)量占銷售總量的 50%— 70％，美國高達(dá) 90%，而在我國的汽車銷售中 ，僅有 10％左右的消費者涉及汽車消費信貸，顯然，我國汽車消費信貸存在很大的發(fā)展空間。questionnaire survey。 automobile consumption loans。其次，針對汽車消費貸款存在的問題提出如下幾點建議：（ 1）建立和完善個人信用制度（ 2）建立和完善汽車消費貸款法律法規(guī)（ 3）建立多元化汽車消費貸款營銷模式（ 4）徹底轉(zhuǎn)變觀念。選取贛州市章貢區(qū)的消費者為調(diào)查對象，對一般消費者在選擇商業(yè)銀行汽車 消費貸款時考慮的因素進(jìn)行分析，另外參考了一些學(xué)者對汽車消費貸款市場存在的問題和相關(guān)的建議的研究。 畢 業(yè) 設(shè) 計（論文） 題 目： 贛州市章貢區(qū) 消費者選擇商業(yè)銀行汽車消費貸款行為因素調(diào)查 系 部： 經(jīng)濟(jì)管理系 專 業(yè) ： 金 融 學(xué) 班 級： 102班 學(xué) 號： 020xx410242 學(xué) 生： 童鵑 指導(dǎo)教師： 劉立剛 完成時間： 20xx年 05月 贛州市章貢區(qū) 消費者選擇商業(yè)銀行汽車消費貸款行為因素 調(diào)查 摘 要 汽車消費貸款不僅刺激了消費、擴(kuò)大了內(nèi)需，而且對于推動國民經(jīng)濟(jì)增長具有重大的意義。隨著汽車消費貸款業(yè)務(wù)的不斷發(fā)展， 隨之而來的是 汽車消費貸款問題不斷顯現(xiàn)出來，只有不斷完善汽車消費貸款市場出現(xiàn)的問題，才能促進(jìn)汽車消費貸款業(yè)務(wù)持續(xù)、穩(wěn)定、健康地發(fā)展，其中消費者是這個市場的重要參與者之一，因此有必要對消費者選擇商業(yè)銀行汽車消費貸款的影響因素進(jìn)行分析。本文的主要研究結(jié)論是：首先，贛州市章貢區(qū)的消費者在選擇商業(yè)銀行汽車消費貸款時的影響因素有，“手續(xù)簡便”、“貸款利率低”、“貸款額度大”、“服務(wù)好”和“其他”，其中“手續(xù)簡便”、“貸款利率低”、“貸款額度大”、“服務(wù)好”是消費者比較看重的因素。 關(guān)鍵詞：消費者； 汽車消費貸款；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。 influence factor。suggestions 目 錄 1 緒 論 ............................................................................................................... 1 研究背景 .................................................................................................... 1 研究目的及意義 ........................................................................................ 1 主要的研究內(nèi)容及方法 ............................................................................ 1 研究內(nèi)容 ........................................................................................... 1 研究方法 ........................................................................................... 1 2. 商業(yè)銀行汽車消費貸款影響因素分析 ............................................................ 2 樣本描述 .................................................................................................... 2 消費者對汽車消費貸款的認(rèn)知情況和選擇情況 ...................................... 3 消費者 了解汽車消費貸款的途徑 ...............