【作者】 于峰；

【导师】 郭炜；

【作者基本信息】 华中科技大学 ， 工商管理， 2009， 硕士

【摘要】 美国和德国的汽车工业能发展的如此兴旺,原因有很多,例如他们的汽车产业基础好,有大量的技术工人保留下来等因素。除此之外,在汽车工业繁荣的背后还有一个不为公众所知的因素--汽车金融服务。在中国内陆,汽车金融服务在大都市里正悄然兴起。关于它的未来如何发展,通过什么产品来盈利,美国成熟的服务模式能不能完全拷贝过来,无疑是我们需要认真探索的课题。本文通过研究以美国为主的汽车金融服务模式,探寻在其盈利模式中汽车金融公司、商业银行、汽车经销商和汽车租赁公司是如何分工,各自担任什么角色。盈利模式的成功之处在哪?反观国内汽车金融业还没有摆脱自身的问题,在生存线上挣扎,是什么因素造成目前这种状况?目前美国的盈利模式是汽车金融市场的主流状态,与国内盈利模式对比,我们发现国内汽车金融服务主体存在严重的依赖心理,完全依靠商业银行的支持,除它之外,均没有其他服务机构有实力独自开展汽车金融服务业务。另外,我国汽车金融服务产品没有认真考虑实情,业务流程繁杂,客户抱怨很多,合适的盈利模式尚未出现。本文正式提出国内汽车金融行业应以汽车金融公司为中心,其他服务主体应取长补短,创造和谐共赢的新盈利模式。文章对汽车盈利模式进行了大胆创新,并对各服务主体进行了优、劣势和可行性分析。为实现新盈利模式,本文建议成立国家信用档案管理局,制定《资产抵押法》、《信用管理法》和《个人信用消费法》等。更多还原

【Abstract】 The brilliant development of automobile industry in America and Germany relates to their great industrial foundation and skilled workers a lot. Besides, another unknown drive for this prosperity is auto financial service. Automobile finance in China now is an emerging industry. How to develop this new industry, by what product to make profit, and whether the advanced model of profit-making for automobile finance in foreign countries is applicable to China, all these questions are now to discuss.By studying the main profit-making models of auto financial service industry in America, this paper analyze how the four subjects, that is, auto finance companies, commercial banks, car dealers and car leasing companies to position in this market. Where do the successes of the models come from? Auto finance industry in China now is trying to get rid of its own problem and struggling for survive, what are the causes for this? American models in auto finance industry domains the market. By comparing that with the model in China, we find that the main bodies in this market almost all depend on commercial banks and no other institutions have the power to develop auto financial service. Besides, auto financial service products in China do not take the real situations into consideration, which makes the service process complicated and brings complaints. The appropriate model is still to design.This paper formally suggests that auto finance industry take auto financial companies as the center, with compliments from other institutions, to make a harmony and all-win profit-making model. We study the advantages, disadvantages and feasibilities of all bodies involved in this market, to design a model innovatively. To realize the new model, this paper suggests establishing National Credit Bureau, and making Assets Mortgage Law, Credit Management Law and Personal Credit Consumption Law.更多还原