我国汽车金融发展策略分析-analysis of chinas automobile finance development strategy.docxVIP

我国汽车金融发展策略研究 摘 要从上世纪 90 年代开始 中国就被描绘成 全球最大的 也是最 后一块未被开垦的汽车市场 据统计 2004 年 全年汽车产销双 双突破 500 万辆 分别达到 507.05 万辆和 507.11 万辆 私车销售比 例达到 93.7% 汽车消费尤其是私车消费的飞速发展 迫切需要完 善的汽车金融服务 在这样的背景下 笔者确立了 汽车金融发展 策略研究 这个选题本文分四部分 第一部分论述汽车金融的内涵 主要作用及我国发展汽车金融业的必要性和可行性第二部分侧重分析现代汽车金融服务业务的模式 从汽车金融赢利模式 管理模式两个方面对国外先进经验展开对比讨论第三部分结合我国的具体国情探索解决汽车金融发展问题的途径 在借鉴国外成熟市场发展经验的基础上深入分析我国汽车金融 服务市场的特点 找出适合我国国情的解决方案第四部分主要针对汽车金融公司的发展战略展开分析 这部分是文章的重中之重 通过这部分的论证分析 对当前还处于起步阶 段的中国汽车金融公司的发展提出了一些实践性意见关键词 汽车金融 金融信贷发展策略 汽车金融公司发展策略RESEARCH ON THE STRATEGY OFCHINA’ S AUTO-FINANCE DEVELOPMENTABSTRACTEvery since 1990s, China has been described as “The final and the biggest auto- market all over the world which has not been explored.” According to the statistics, China’ s production and sale volume of car both exceeded 5 million per year and each rose up to 5,070,500 and 5,071,100 in 2004 with a proportion of which 93.7 per cent was sold to individuals. The auto consumption especially the personal auto consumption took a fast development, thus a mature auto-financial service system was desirable, and this is why I choose this topic as for my thesis title.This paper is divided into four parts. Part one describes what is the meaning of auto-finance, its main functions and the necessity and feasibility of developing the auto-finance system in China. Part two concentrating on analyzing the problems we have in today’ s auto-finance market through comparing with foreign countries in the aspects of auto-finance service structure, the financing approaches, the relevant laws and the credit loan mode.Part three is the core part of this paper, and several ways are provided to solve the problems written in the former part with considerations of the situation of our country. The last part, part four is the prolongation of part three, which focuses on the feasibility of running of the professional auto-finance company in China and gives advices of its development.KEY WORDS: auto-finance, auto-credit, auto-loan, automotive financial company11