摘要:汽车产业是近几年我国经济发展中的一大亮点。汽车金融服务对于优化汽车产业结构，方便消费者购车，缩短汽车企业资金周转等问题上发挥着非常重要的作用。在国外汽车金融已经发展成熟，但在我国汽车金融服务业发展现状依然不容乐观。本文试图讨论我国汽车金融服务的发展现状，目前我国存在的问题如汽车消费市场汽车贷款购车比例小、服务主体和内容单一、个人征信体系不完善等，并通过借鉴国外成功经验，提出改善我国消费观念、改善汽车软环境、建立并完善征信法律制度等建议。

关键字：汽车金融服务，个人信用，汽车贷款

Abstract:The auto industry is the new highlight of the national economy in the recent year. Financial services play important roles in the optimization of industry structures, shortening the ventures’s cash flow periods, and facilitating consumers buying cars. Auto financial services has been developed in a foreign country ,but it still not optimistic in our country .This paper attempts to discuss the development status of China’s auto financial services .At present problems in our country as small proportion of car loans ,consumption market , single subject and content ,personal credit information system is imperfect and so on .Because learn successful experience from foreign .Making recommendations to improve China’s consumer attitudes ,to improve the car the soft environment ,to establish and improve credit legal system etc.

Key Words： Auto Finance Service, Personal credit, Auto loans