The Research On Automotive Financial Services Model In Guangxi Under Financial Ecological Environment

Automotive finance actually is service activity of relying and promoting the automotive industry. With the development of automotive industry, automotive finance is gradually being taken seriously as an important part of automotive industry. Automotive industry has two wheels of automotive and finance, and finance is a catalyst for the development of automotive industry. Automotive industry has a size and scale in Guangxi after nearly half of a century development, and especially in recent years, it will be go into "fast track". As the important function of automotive finance in automotive industry, under current financial ecological environment, taking automotive financial services model in Guangxi as key point in the paper and hope to build new approach to promote the interactive development of automotive industry and automotive financial services. The relation of mutual influence between financial ecological environment and automotive financial services model, Up to now, the financial ecological environment can become better in Guangxi, the banking and security industry and insurance business, the credit environment, the legal environment are the comprehensive strength of financial ecological environment in Guangxi. Under the financial ecological environment, the research of designing automotive financial services model can be more conform to reality.The research is begin with the studies of other scholars and theoretical basis, take the consumer credit services theory in the process of automotive financial services as logical framework, and combine with the value chain and game theory to analysis. The main toll route which is the automotive financial services model promote the development of automotive industry in Guangxi, running through the designing and operation of automotive financial services model. Taking the quantization index of personal automotive loan, quantity of automotive sales, residents’ savings and disposable personal income to granger causality test under the financial ecological environment, the mathematics analysis test tell the relations of financial ecological environment, automotive loans and quantity of automotive sales. The process of designing automotive financial services model, analyzing the relations of principal parts of automotive financial services model through game theory to provide materials for designing model, and according to the results get the automotive financial services model. At last, combining with the example as the end of the paper, getting the conclusions, limitations and the automotive financial service forecast.The innovation of this article is the analysis of automotive financial services in Guangxi from the perspective of financial ecological environment. On the one hand, the automobile consumer credit loan will be affected by the financial ecological environment through empirical analysis in Guangxi. On the other hand, through game theory designing financial services model of commercial bank, automobile financial company, insurance company, financing guarantee company, car dealer and consumer, to realize mutual benefitand shared profit in the long time.