Automotive credit and insurance

Author: Ni Jiwei
Publisher:
Publish Date: 2005-02-01
Features: With the rapid development of China's economy, people's consumption power has been continuously improving. Cars, as high-end consumer goods, have gradually entered households, becoming another hot spot following the real estate consumption boom. Auto credit and insurance have entered people's lives in response to car consumption and use, and have been continuously improved and developed.
In recent years, with the construction of the credit system, China's credit consumption in the field of high-value consumer goods has seen significant growth. Auto credit consumption has become the mainstream of car product consumption. On May 1, 2004, China's Ministry officially promulgated the Road Traffic Safety Law of the People's Republic of China, marking a shift toward legal management in road traffic administration. As a result, car insurance has undergone fundamental changes. The previously uniformly determined premium regulations by the insurance regulatory authority have gradually been shaped by market competition under the market economy environment. Insurance companies have gained autonomous operational rights over car insurance products.
Therefore, auto credit and insurance play an extremely important role in promoting the rapid development of the car consumption market and ensuring the safety of people's lives and property.
This book is based on the general theory of credit and insurance, exploring the basic concepts and theories of cars as a special consumer good in the context of the modern economy. It elaborates on the general principles of auto consumption credit and insurance, provides a detailed discussion on the scientific and feasibility of practical operations in the process of auto consumption credit and insurance, and emphasizes the importance and standardization of practical management. Additionally, it conducts comparative analyses of domestic and international cases related to auto consumption credit and insurance, offering a comprehensive reflection of the current state of auto credit consumption and insurance in China. This approach aims to explore theories and methods that align with the development trends of China's auto credit and insurance.
The book integrates fundamental theory with practical operations, featuring a well-structured, comprehensive, and accessible presentation. It combines credit consumption models in the car market with economic security systems during car usage, providing a unique and innovative perspective based on the current state and emerging trends of auto credit and insurance in China, making it highly relevant to the times.
As a foundational textbook for university and college automotive business programs, Auto Credit and Insurance reflects innovative concepts and strong applicability. It comprehensively covers the basic theoretical knowledge and practical operations of credit consumption and insurance in automotive marketing, making it suitable not only as a textbook for automotive business and related disciplines but also as a reference for professionals engaged in modern automotive marketing.
The editor of this textbook is the Bus Car College of Shanghai University. The lead editor is Ni Jiwei and Wu Linsheng, with Wang Zuoyun as the deputy editor. The first part of the textbook on auto credit (Chapters 1–5) was written by Wang Zuoyun, the second part on auto insurance (Chapter 6) by Zhu Min, and Chapters 7–11 by Ni Jiwei. The entire book was compiled and edited by Wu Linsheng.
Due to the urgency of the writing process and the authors' limitations, errors are inevitable. We sincerely appreciate any corrections from the readers.