Key points in auto company loan legislation include strong government oversight to ensure that companies implement restructuring plans.

For housing mortgage loan, the bank can lower the proportion to increase the competition of the loan in the market; For auto loan, the bank should ask more higher proportion of first payment to decrease the default rate, and control the risk of auto loan.

对于住房抵押贷款，银行可以适当降低首付款，来提高本银行住房抵押贷款在市场的竞争力，对于汽车消费贷款，可以通过采取提高汽车贷款首付款的措施，来降低违约率，控制抵押贷款风险。

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It introduces the research background, research ideas and methods, and so on. The relevant literature on auto loan guarantee insurance is reviewed carefully so as to lay the foundation for later analyses. Part ⅱ: Risk analysis of auto loan guarantee insurance.

主要阐述研究背景、意义，研究思路和研究方法等，对汽车消费贷款保证保险的相关文献进行评述，从而为后面的分析奠定基础。第二章：汽车消费贷款保证保险与其风险分析。

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While it's understandable to focus on monthly payment amounts when determining how much car you can buy, your ability to afford a monthly auto loan payment doesn't mean you can afford the car.

在决定购买什么价位的车时，月收入的确需要考虑进去，但你能付清每月的车贷并不代表你就能买得起这车。

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The same premise holds true for auto loan refinancing: If you're refinancing because interest rates have dropped considerably since you initiated the loan, that may be a money-smart move.

车贷重新按揭也是如此：比如由于车贷降息，你选择重新按揭，这是个理财方法。

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Personal auto loan is the RAM guarantee loan granted by bank to the borrower who applies for purchase of auto, featuring simple transaction procedure, various guarantee forms and high loan line, etc.

个人汽车消费贷款是银行向申请购买汽车的借款人发放的人民币担保贷款。具有办理手续简便快捷、担保形式多样、贷款额度高等特点。

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But the content of credit asset is very broad, specifically including housing mortgage loan, infrastructure project loan, auto loan, lease and trade receivable income, credit card receivable, etc.

但信贷资产包含的内容很广，具体包括住房抵押贷款、基础设施项目贷款、汽车贷款、租赁和贸易应收收入、信用卡应收款等。

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China Insurance Regulatory Commission in May 2004 on the" norms auto loan guarantee insurance business related to the issue of notice," marked to ensure that insurance has a sheng and failure.

以保监会2004年5月关于《规范汽车消费贷款保证保险业务有关问题的通知》为标志，保证保险终于盛极而衰。

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This product exit stage, we should be alert to the product and the theoretical knowledge involved in order to intensify research in China auto loan guarantee insurance business to contribute to the rise.

该产品退出舞台，警示着我们应当对该产品及其所涉及到的理论知识加大研究力度，以期为我国汽车消费贷款保证保险业务的重新兴起作出贡献。

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An invoking fact of subprime mortgage crisis is that: it necessarily leads to credit market crisis such as credit card loan, auto loan and commercial mortgage loan.

美国次贷危机揭示了一个令人深思的事实：次级抵押贷款市场问题为什么会导致信用卡贷款、汽车贷款、商业抵押贷款等信贷市场也跟随出问题。

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Auto loan business in our development process, credit car loans in recent years, rapid development, has become the major banks in the middle of a major growth business.

在我国汽车消费贷款的发展过程中，近年来信用卡购车贷款发展迅猛，已经成为各大银行中间业务的主要增长点。

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To implement the auto loan process, we'll extend the content-based assertions defined in the Business Service Model, and build the following two new assertions

为了实现该汽车贷款流程，我们将扩展业务服务模型中定义的基于内容的断言，并构建以下两个新的断言

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The appearance of auto loan guarantee insurance not only greatly simplifies the loan approval procedures, but also boosts potential car consumption remarkably.

汽车消费贷款保证保险极大地简化了贷款审批程序，释放了大量潜在的汽车消费需求，为我国汽车工业和汽车消费信贷市场的发展做出巨大贡献。

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For instance, in the auto loan process, one of the aspects of context information for customer type would be Gold, Silver or Platinum.

例如，在汽车贷款流程中，客户类型的上下文信息的其中一个方面是“金牌”、“银牌”和“白金”。

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The application simulates an auto loan procurement system that accepts user information and responds with approval or rejection of the loan request.

此应用程序模拟一个汽车贷款获取系统，该系统接受用户信息，并使用贷款请求的批准或拒绝结果做出响应。

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In August 2004, "Auto Loan Management" was issued by the People's Bank of China and the Banking Supervisory Committee.

2004年8月人行和银监会颁布了《汽车贷款管理办法》。

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But in practice, because the basic law, no clear relationship in auto loan guarantee insurance in practice exposed to a number of problems.

但在实务中，因为基本法律关系没有理清，导致汽车消费贷款保证保险在实践中暴露出了许多问题。

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The credit auto loan is the one of main credit loans in china, but it is along with high credit risk in recent years.

汽车信贷已成为我国消费信贷业务中最重要的业务种类之一，但近年来其信用风险一直很高。

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To meet the requirement of credit risk management of the commercial banks, property insurance companies began to provide auto loan guarantee insurance.

财产保险公司为满足商业银行汽车消费信贷风险管理的需要，纷纷开办汽车消费贷款保证保险业务。

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( d) transferring and selling auto loan receivables.

（四）转让和出售汽车贷款应收款业务。

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In the end, the money's not there for you to get a mortgage or auto loan.

最后的情况就是，你无法获得抵押贷款或汽车贷款了。

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