【作者】 金永哲；

【导师】 马飞；

【作者基本信息】 吉林大学 ， 工商管理（专业学位）， 2015， 硕士

【摘要】 2014年，我国汽车生产量和销售量均突破2300万辆，连续6年成为世界第一大汽车生产和销售国。汽车产业的快速发展，为商业银行提供了广阔的业务空间。在汽车行业产业链中，汽车经销商因处于产业链中游、有较大的交叉销售效应无疑是此中重点业务领域之一。商业银行自上世纪90年代开始进行汽车经销商融资模式探讨，目前已经形成了一套较为完备的业务体系，是商业银行重要的存款、利润来源之一。随着我国汽车行业的发展进程、金融改革的加快、互联网产业快速发展，汽车经销商融资的内外部环境均发生了较大的变化，对原有汽车经销商融资模式构成了较大的挑战。从汽车经销商层面看，集团化特征逐步呈现。经过对经销商数据的抽样调研，单店经营的情况基本没有，拥有上百家经销商的经销商集团已经达到几十家、甚至出现了拥有500-1000家经销商的特大型经销商集团。在集团管理模式下，汽车经销商的资金管理模式发生了较大的变更，原有的自偿性产品模式已经不适应市场需求。随着国内汽车产业的逐步成熟，汽车经销商的暴利时代已经结束，汽车经销更多地成为吸引“后服务”的一个手段，经销商之间出现较大的分化、经销商倒闭、资金链条断裂的情况屡屡出现。从国家政策角度看，国家工商总局于2014年取消了汽车经销商备案制规定、国家发改委于2014年发起了针对汽车行业的反垄断调查、平行进口车政策正式启动，上述政策的事实将直接改变现有汽车经销商的生存状态。汽车百货超市在未来即将出现将成为现实、4S店的相对垄断经营模式将受到挑战、横向及纵向垄断将逐步彻底消失，所有这一些都将导致汽车经销行业竞争加剧、盈利模式发生彻底转变。从商业银行外部环境看，利率市场化预期将在未来两年内彻底实现、以巴塞尔协议为依托的新资本管理办法全面实施也为时不远、新常态下的资产质量管控任重道远，上述环境的变化将促使银行更加精细化经营、改变原有粗放化的经营模式、以更加有针对性的产品迎合市场，同时进行有效的风险管控。适应新的内外部环境变化，从商业银行自身角度进行产品设计优化，完善系统功能建设，建立有效的风险管控模式，是未来的必然选择。本文一定程度上较为前瞻地分析了汽车经销商融资业务未来发展的趋势，提出了一定的应对建议。更多还原

【Abstract】 In2014, China’s automobile production and sales both exceeded23000000, for6consecutive years to become the world’s largest auto market. The rapid development ofautomobile industry, providing a wide range of business for commercial banks, automobiledealers in the industry chain, with the cross selling effect is undoubtedly one of the focus ofthe business in this area. Commercial banks began to explore the financing mode ofautomobile dealers since the90’s of last century, has formed a set of complete businesssystem, is a commercial bank deposits, one of the important source of profits. With thedevelopment of the automobile industry in China, the pace of financial reform, theautomobile dealer financing both the external environment has changed greatly, whichconstitutes a major challenge to the original automobile dealer financing model.From the automobile dealer level, the group characteristics gradually. Through thesampling survey on part of the data, the single store operation situation basically no, withhundreds of dealers, dealer groups have reached dozens, even large dealer group have500-1000dealers. In the group management mode, produced bigger change automobiledealer’s fund management mode, the original self liquidating product model has not adaptedto the demand of the market. With the domestic automobile industry becomes mature, theautomobile dealer profits era has ended, the automobile dealership more called a means toattract the larger differentiation between dealers, dealer business often appear.From the perspective of national policy, the State Administration for Industry andCommerce shall cancel the automobile dealer filing system in2014, the nationaldevelopment and Reform Commission in2014launched the antitrust investigation of theautomotive industry, parallel import automobile policy officially started, the fact willdirectly change the existing automobile dealer’s survival condition. Supermarkets anddepartment stores in the automobile will become a reality,4S store business model will bechallenged, horizontal and vertical monopoly will be sold in the coming future, all of whichwill cause the automobile dealership industry competition, the profit model the completechange.From the external environment of commercial banks, the interest rate market is expected to be in the full realization of the next two years, the Basel protocol is based on thefull implementation of the new capital management approach is also not far away, assetquality control under the new normal has a long way to go, the change of the environmentwill make banks more meticulous management, change the extensive management mode andin a more targeted products to meet the market, at the same time, the effective risk control.To adapt to changes in the external environment of new, from the perspective ofcommercial banks to their own product design optimization, improve the function of thesystem construction, establish risk control mode effectively, is an inevitable choice for thefuture. In this paper, a more forward-looking analysis of the future development ofautomobile dealers financing business trends, puts forward some suggestions.更多还原