Study On Chinese Automobile Consumption Credit Problems And Development

The automobile industry has become one of the Pillar industries in Chinese economy. Although the automotive consumption market sees a rapid development in China, at Present the macro-environment of developing automobile consumption credit is still immature, with imperfect credit system, incomplete relative laws and regulations, unregulated competition in loans market, violent fluctuation of automobile prices, low moral sense of borrowers, and so on. As a result, more risks have been exposed gradually in the automobile consumption credit market, which to some extent constrains the development of automobile consumption credit market.The auto financial company as the combination of traditional industry and financial industry, Which as non banking financial institution has Played more and more important role in Prompting the auto consume market; furthermore, it will gradually be the mail force of auto credit consume market. However, it is late to study the auto financial research in China, and we are at the early stage of the research.This dissertation will combine the real auto industry with the theory elaborate the Profit Paten of auto financial and the trend of auto financial development from the market analysis、risk control management and financing innovation.It analyzes the consumption credits risks management in our auto financial service industry. Through the Positive analyzing to the auto credits risks management of commercial banks&auto financial companies, summarizes the characteristics of their credits risks management, concludes the similar problems in them, and forms the countermeasures to auto financial credits risks management.It analyzes the management types to auto consumption credits in advanced countries. By introducing the advanced management types to auto financial consumption credits in USA, it Presents the reference value to our auto finance, and comparatively concludes that we urgently need to have the auto financial consumption credits risks management.It will be the research of the auto finance’s profit model, compared with credit model in the United States, European Union, and Japan, find out the inadequacies of our profit model, and made recommendations on the development of value-added profit model for the development of automobile finance.