Automotive Financial Research

The automobile industry has existed for more than a hundred years. When people are looking back at this period of time, what they usually see is its prosperity and the richness of the people but neglect that there is an unknown 'hero' behind this history-the role of the automobile finance service. It is just because of the appearance of the automobile finance that today's automobile industry comes into being.If you want to get to know the automobile industry, you must first understand automobile finance. If people want to develop the automobile industry, they must first develop automobile finance. China has witnessed a route of the development of automobile industry away from the development of the automobile finance.According to developmental order "the historical development of automobile finance-the basis of the research system; the profit-making model of the automobile finance-the core of the research system; the credit management of the automobile finance-the inner layer of the research system; the development of the product of the automobile finance-the outer layer of the research system, this research is something new. On the methodological level, a comparative research is used: many new methods are formed in the fields of study of finance, insurance, service management, finance engineering, marketing and consumer economics. Thus the dissertation covers the content of the value-adding and profit-making model of the automobile finance, the management of the credit paying-off capacity, the multidimensional framework of the automobile finance, the products and its development of the automobile finance, the achievement marketing of the automobile finance, etc.The whole dissertation is in logical order: firstly, the historical development of the automobile finance is reviewed; secondly, more emphasis is put on the analysis of the life source of the automobile finance-the profit-making model; thirdly, the function of the credit system of the automobile finance system and its specific connotation and scope.The framework of the automobile finance service plays the role of collecting money, which is the motive power of supporting and insuring the play of the profit-making model of automobile finance.The development and marketing of the automobile finance service is the last part, which is the tool of realizing of the profit-making of automobile finance, the carrier of the credit management of the automobile finance, and the operating goal of the mechanic of the automobile finance.The product design of automobile finance is the most difficult and challenging subject of finance. The streamline of the product design includes "target design", "structure design", "price fixing of the product", "the feature analysis of risk profit and "product standardization". The evaluation methods of the automobile finance product are the ones of discount of profit rate and of information feedback.The development and innovation is the interior demand of the reform of China's finance system. The fluctuation of the price according to the market is the key to development of China automobile finance product.