The Research On The Financing Mode Of The Commercial Banks In The Automobile Dealer

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.