The Research On Take Rate Of Financing In Vehicle Retail Sales

In recent years,China's auto market has realized the explosive growth,car sales have surpassed the United States as the world's first,at the same time also brought the problem such as environmental pollution,traffic congestion,increase energy consumption,the market began to explore how to upgrade the consumption patterns.The automobile credit is an effective tool to optimize the consumption patterns,at the same time from the point of the development of auto market in the developed countries,it also can promote the expansion of the market of the automobile consumption.Compared with developed countries,China's development level in this business is relatively low.Theoretically,automobile credit is also belong to the consumer credit,it can bring the not enough current or future purchasing power of potential consumer demand directly into the current consumer demand,like other consumer credit,car credit is implemented through the way of payment in advance the future income consumption,release consumption potential in advance,therefore the automobile sales market will have a lot of improvement.In the current chinese characteristic economic environment,the car credit can play a positive role to improve the auto market sales,how to improve the automotive credit effectlly,these questions are worthy of our study.Firstly,the thesis describes the current situation of domestic automobile credit,systematic expounds relative theories,finds out the main problems.And then using several kinds of theoretical analysis methods to make further analysis.Using PEST analytical method to analyze its macro-environment,using value chain analytical method to analyze the benefit and contradiction of every credit subject,and then conclude the four main influence factors of Chinese automobile credit,which are individual credit system,auto financing company,consumer credit concept and auto financial products' competitiveness.Further on,utilizing empirical approach to build a multiple linear regression model and call by the four influence factor values and to certify the correlation towards Chinese automobile credit take rate,region and income level also had been considered.At last the thesis concludes the main influence factors of Chinese automobile credit take rate and raises the operable and constructive suggestions.The innovation of this paper is taken various theoretical research method,fully combines the author's work experience,from China's auto retail buyers,commercial banks,auto financing company,the perspective of different interest subjects were analyzed,and found that the main problems and provides the countermeasures and suggestions,has reference value for all stakeholders,and thus to our country automobile retail credit take rate ascending provides certain theoretical support and solutions.