Research On The Development Of Buying Car By Installment On Commercial Bank Credit Card

The development of automobile consumption credit to promote the development of the automotive industry has an important significance. Cars belonging to large consumer durables, while the bulk consumer durables for stimulating the economy, expanding domestic demand has a huge role. Automobile consumption has become a real estate consumer, after following the upgrading of consumption structure of an important guarantee. Looking at the international automobile history, automobile credit to Western countries such as Europe and the United States Japan and South Korea, and even for developing countries such as India’s automobile consumption contribution rate in excess of60%, while in China the automobile consumption credit rather late in the development process encounter some complex issues, the contribution rate for automobile consumption is less than20%, far below the international average. Therefore automotive consumer credit in China has a huge space for development. Auto loan business in our development process, credit car loans in recent years, rapid development, has become the major banks in the middle of a major growth business. So credit car installments research has important theoretical and practical significance.The main contents are as follows:The first chapter introduces some topics of the background and significance; followed by a detailed description of the research status; concludes with an executive summary of this paper is to study and research methods.The second chapter briefly introduces the basic theory of automobile consumption credit for the concept of automobile consumption credit, market players, performance characteristics and other aspects were discussed; followed by a brief analysis of the development of China’s automobile production and sales market, noting that automobile consumption credit has broad development of space, while according to the data obtained on the level of per capita income of Chinese residents increased steadily, but consumption levels. Followed by this Section affecting the development of China’s automobile consumption credit factor analysis, respectively, from the automobile consumption and use of the environment, consumer attitudes and consumption levels and credit system construction and other aspects of elaboration. Final analysis of the significance of the development of automobile consumption credit, specifically:automobile consumption credit is conducive to rapid inventory of the stock of bank loans, optimize loan growth, improve capital utilization, while offering quality customer resources; make the most of the opportunity ahead of schedule his dream car, improve people’s living standards; can help increase sales, timely recovery of sales money. Conducive to promoting China’s personal credit system construction and development. Help expand consumption and stimulate domestic demand and promote economic growth.The third chapter begins with a brief introduction of credit card and credit card installment of the basic theory, described in detail the definition of installment credit car, business processes, development of the market conditions. Secondly introduce two models of automobile consumption credit, analyze the pros and cons of these two models, noting that business credit car installments relative superiority of using this model. Finally installment credit car business for detailed analysis and auto finance company car loan with a comparative analysis of the strengths and weaknesses of the business. Chapter IV presents the credit card business model car installments background, pointing out that business credit card installment purchase using this bank-led "straight off’type mode. Under the terms of the new Judai Xian, insurance companies do not insurable risks, banks and insurance companies have no interest in starting a new automobile loan insurance business, and auto dealers basically does not exist operational risks. So there is a major conflict of interest between banks and consumers. Second installment credit relating to the business car car contract, the consumer occurs three times for breach of contract or pay fees in accordance with consumers’ credit or financial situation or deteriorated, etc., establishment of a bank-the consumer game model, from the microscopic analysis mutual interest demands. Finally, the analysis of the factors affecting consumer repayments were generally from the car price cut is too high, too fast devaluation; consumer liquidity problems; Credit punishment mechanism is not perfect interpretation of three aspects of the consumer repayment problems arise because.Chapter V is mainly for Hangzhou, a bank credit card business car installments Empirical Analysis. First introduced the bank credit card business car installments basic situation and made a brief analysis. For personal business loans, respectively, from the overall situation of incremental loans, loans for personal consumption gains, a loan intermediary business income and personal income auto loans, risk control, business processes and other aspects are briefly analyzed. Secondly, the analysis of the relationship between the line and the consumer game, respectively, from the prices, models, consumer income and real estate industry as well as all other aspects of the depth of interest between banks and consumers contradictory relationship. Finally, a bank credit card purchase installments in promoting business development measures analysis.Chapter VI is the conclusion and outlook. Credit card purchase installments business has broad prospects for development, but in the development process there are still some problems, such as vehicle depreciation model problem analysis, specification of the used car market measures still need to do further analysis.