有谁能帮我翻译一下，不要翻译软件的，急用，多谢！

Automobile Consumer Credit Research Summary : Based on cars developed the development of consumer credit, developed vehicle revealed the development of consumer credit outstanding features : auto perfect credit system; market interest rates of automobile consumption credit rate flexibility; Automobile Consumer Credit cornerstone -- sound social credit system; Automobile insurance and guarantee a sound system. Applying the comparative analysis method that China's auto consumption credit the following questions : auto consumption credit system is not perfect. automobile financing companies financing channels, scope of business and geographic scope be limited; car loan interest rates are under control; credit system is not perfect personal credit system is not complete; Guarantees and insurance system is flawed. Therefore, the authors propose Automobile Consumer Credit the idea of development : the establishment of a sound credit system for automobile consumption, vigorously promote the development of the automobile financing companies; relax consumer credit controls; establishing a personal credit appraisal system; improve the operation of motor insurance and credit guarantees to break the bottleneck, and so on. With a view to the auto industry and the financial industry the development of the auto industry chat modest way. Keywords : automotive consumer credit, mode, credit controls, personal credit appraisal system