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On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上，对大力发展汽车消费信贷的意义进行了讨论；通过分析国外汽车消费信贷市场的发展概况，解析出国外汽车消费信贷促进汽车产业发展成功的原因；从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在；对中国汽车消费信贷市场的一些明显问题，如汽车消费市场尚未形成规模，汽车价格偏高，税费和使用费用负担沉重，相对较低的居民收入与预期收支不确定，社会信用体系尚未建立，个人信用制度缺失，公众信用意识淡薄等方面进行了深入探讨；立足于产业经济学理论，提出了构建信用社会，建立健全和完善个人信用体系，建立个人资信评估机构和登记制度，引入专业的资信中介机构，以信用数据库平台为基础，各方共享资源，组建客户信用数据平台，完善法规制度建设，建立健全汽车信贷消费的法律体系，建立风险预警机制，提高汽车消费信贷经营主体的经营管理水平，降低汽车信贷业务成本，加大金融制度创新的力度，开发适合不同消费群体的金融产品，提高服务质量，完善"银行+保险+汽车经销商"的汽车信贷模式，充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

One original and two copies of airway bill sent to and notifying buyer indicating freight prepaid if in CIP terms or freight to collect if in FCA terms, contract No., shipping mark 2 Commercial invoice in quintuplicate showing 90% of contractual value, indicating contract No., trade terms and shipping mark 3one original and one copy of insurance policy covering all risks and war risk for 110% of invoice value in favor of buyer if it is in CIP terms.

航空运单，一份原件和两份拷贝；运单上应标明"运费付讫"，或"运费到付"，合同号，唛头，交付并通知买方； 2。标明合同号、价格术语和唛头，金额为合同总价90%的商业发票，五份原件； 3。以买方为受益人，以发票金额百分之一百一十（110%）投保一切险和战争险的原始保险单正本一份，副本一份

Corporation has the major and medium small half seal box-type freight vehicle, the convertible, the heavy semitrailer, the high guard rail vehicle, the specialized transportation passenger vehicle vehicles, long-distance move, the ample capacity abundant, goes directly to the land fast, company's all services insures by the Chinese safety Insurance company, realizes the freight transportation zero risk truly, safe reliable.

公司备有大中小型半封闭箱式货车，敞篷车，重型半挂车，高护栏车，，专业运输轿车车辆，长途搬家，运力雄厚、快速直达全国各地，公司的所有业务均由中国平安保险公司承保，真正实现货运零风险，安全可靠。

Buying plant nearly when insurance product is tie-in, we should consider accident risk above all.

在购买险种保险产品搭配的时候，我们应该首先考虑意外险。

The elevated risk for Medicaid and uninsured patients being diagnosed at an advanced stage of disease was seen for cancers in all anatomic areas of the colon, the rectosigmoid junction, and rectum. However, the researchers found that Medicare patients were just as likely to be diagnosed at an early stage as individuals with private insurance.

接受医疗补助与没有保险病患，在疾病后期被诊断出来的风险上升发生于大肠、乙状直肠以及直肠所有解剖位置；然而，研究者发现接受医疗照护的病患与有私人保险的病患，一样比较容易在早期就被诊断出来。

The elevated risk for Medicaid and uninsured patients being diagnosed at an advanced stage of disease was seen for cancers in all anatomic areas of the colon, the rectosigmoid junction, and rectum. However, the researchers found that Medicare patients were just as likely to be diagnosed at an early stage as individuals with private insurance.

接受医疗补助与没有保险病患，在疾病后期被诊断出来的风险上升发生於大肠、乙状直肠以及直肠所有解剖位置；然而，研究者发现接受医疗照护的病患与有私人保险的病患，一样比较容易在早期就被诊断出来。

We have covered insurance on your order with PICC for 110% of the invoice value against All Risks and War Risk.

我们已在中国人民保险公司对你们的订货按发票金额的110%投保了一切险和战争险。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。