【作者】 刘杰；

【导师】 支大林；

【作者基本信息】 东北师范大学 ， 金融学， 2014， 硕士

【摘要】 近年来我国汽车产业发展迅速,继2009年汽车产销量超越1300万辆之后,2013年我国汽车销售加速增长。2013年我国汽车产辆为2211.68万辆,同比增长14.76%,汽车销辆为2198.41万辆,同比增长13.87%,再次刷新世界纪录,连续五年成为全球新车产销第一的国家。相对于汽车产量和销量的井喷式增长,我国汽车金融业发展却相对缓慢。根据汽车市场数据的计算显示,在新车消费环节,国外汽车金融比例高达50%以上,而我国汽车金融市场份额仅为20%左右。随着我国汽车市场竞争日益加剧,汽车制造环节及销售环节的收益率逐年下降,发展汽车金融服务日益成为汽车业的重要促销途径和盈利手段,汽车金融在我国经济中的重要性日益凸现。虽然我国汽车金融市场的前景很好,但是我国开展汽车金融服务业的时间不长,仍然处于初级阶段,美国等发达国家发展汽车金融的历史已经近百年,拥有成熟的操作经验和风险管理经验。因此本文从汽车金融融资方式、盈利模式、信用风险管理体系三个维度全方位的比较中外汽车金融业,根据当前我国汽车金融的现状,提出通过开展资产证券化、开办购车储蓄业务等多元化融资途径来拓展汽车金融融资方式。在借鉴国外融资租赁盈利模式、投资理财盈利模式的基础上,创新我国盈利模式。为了拓宽我国汽车金融的融资渠道、改变我国汽车金融的盈利模式,我国必须加快信用风险管理体系的建设,可以从信用体系建设和法律环境完善两方面着手。关于汽车金融业提出的可行性建议,希望对其它金融服务业在发展战略上产生一定的借鉴意义。更多还原

【Abstract】 China’s auto industry has developed rapidly in recent years. After the production exceeding13million cars in2009, the growth of car sales accelerated in2013. Cars’production and marketing are respectively22.1168million and21.9841million. Year-on-year growth are14.76%and13.87%respectively, setting the world record again. It’s five consecutive years to become the first country of the world’s new car production and sales [1].Relative to the explosive growth of production and sales,the development of China’s automobile finance industry is relatively slow. According to the automobile market data calculations show that foreign auto financing proportion is as high as50%in the new car consumption link,, and the domestic automobile financial share is only20%.With China’s car market competition intensifying, auto manufacturing and sales profit margins decline gradually. Development of automobile financial service has increasingly become the important way of promoting sales and getting profits. The importance of the automobile finance in our country’s economy is increasingly protruding.Although auto financing market has broad prospects in China, China auto financial services is still in its infancy. The history of the auto finance in United States and other developed countries has nearly a century, having a mature experience in operating and risk management. So this article compares the Chinese and foreign automobile finance from the dimension of financing method, profit model and credit risk management System. Combined with the current status of the development of automobile industry in our country, this article puts forward by conducting asset securitization, opening the car savings service and so on to develop automobile financial method. Learning from foreign financing lease business, finance and investment profits model, we need innovate profit model in our country. We need pay attention to the construction of credit system in our country, speeding up the perfect legal system of our country. I hope to put forward feasible Suggestion about automobile industry, having a certain reference significance on the development strategy of other financial services industry.更多还原