二手车购买的贷款决策研究

Second-Hand Car Loans, Actual Interest Rate, Equivalent Interest Rate, Loan DecisionStudy on Loan Decision of Second Hand Car Purchase

摘要: 随着二手车市场的活跃，贷款购买二手车也成为选择之一。但目前二手车贷款市场较乱，如存在“隐形”高昂利息、手续费陷阱等，且相关研究较少。鉴于此，本文首先假设资金在放贷方和贷款方均会产生利息，进而建立数学模型，对二手车贷款中的“隐形”高昂利息、手续费陷阱进行详细分析，通过计算实际利率和等效利率有效识别了相关陷阱。最后列举实例分析对比，为二手车购买的贷款决策提供了相关建议。

Abstract: With the active second-hand car market, loans to buy second-hand cars have become one of the consumers’ options. However, at present, the second-hand car loan market is in chaos, such as the existence of “hidden” high interest, service charge traps, etc., and there are few relevant studies. In view of this, this paper first assumes that the fund will generate interest in both the lender and the borrower, and then establishes a mathematical model to conduct a detailed analysis of the “hidden” high interest and service charge traps in second-hand car loans, and effectively identify the relevant traps by calculating the actual interest rate and the equivalent interest rate. At last, this paper gives some examples to analyze and compare, and provides relevant suggestions for the loan deci-sion of second-hand car purchase.