Research On Automobile Finance Leasing Pricing Model And Its Application

At present,the global automotive industry has entered a cold winter period.Compared with traditional automobile sales methods,financial leasing has the combination of financing and melting,and the separation of use rights and ownership.It lowers the financing threshold and is regarded as a boost to the growth of the automotive industry.Pusher.At present,the development of the domestic auto finance leasing industry is not mature,and the pricing model adopted by the industry is relatively simple,which is difficult to meet the development of the auto finance leasing industry.Based on the above background,we choose to study the automobile financing lease pricing model.This paper first expounds the development of auto financing leasing at home and abroad and the auto financing leasing pricing model adopted by leasing companies.After that,starting from the general pricing model of financial leasing,it is expected to build a car financing leasing pricing model.During the construction process,it was found that the automobile finance lease did not meet the qualification conditions of the general pricing model of the financial lease regarding the rent ceiling.Therefore,it is innovative to use the real option pricing model to calculate the automobile finance lease rent inequality.Through the financial leasing general pricing model and the real option pricing model,the car financing lease rent inequality is constructed to obtain the car rent interval.Then quoted Huitong Chengxing Leasing Company as a case.According to the company's data,the vehicle financing lease pricing model was used to calculate the upper and lower limits of the car financing lease rent,and compared with the actual rent of the company's products.Finally,the advantages of this model compared with other models are elaborated,and suggestions on improving the pricing of auto financing leases are proposed.