Research On The Model Of Direct Leasing Of Automobile Finance Leasing

Auto finance is crucial to ensuring the sound development of the automotive industry.In recent years,with the improvement of consumers’ purchasing power and the continuous upgrading of consumption concepts,China’s auto finance industry has developed rapidly,and automobile finance leasing has also made great progress as one of the main forces.Most of China’s auto financing leasing currently adopts the model of after-sales leaseback,and the more advanced direct renting model is still under exploration.This paper has carried out related research on the automobile direct leasing business model,and through the case design,gives a feasible plan for the development of automobile direct leasing business,aiming at promoting the development of the automobile direct leasing business.By using the case study method,case tracking method and comparative study method,This pape summarize the domestic and foreign research literature,then analyzes the business status of automobile financing leasel,and expounds the meaning,advantages,rent calculation and the problems,then summarize the traditional after-sales leaseback model has been better or worse.Compared with the traditional after-sales leaseback mode,the direct leasing model has the advantages of risk control,more car choice,profit mode advantage and product flexibility,but also faces difficulties in market expansion and more risk control points.The thesis discusses the basic business process,operational risk,risk control logic and profit characteristics of direct leasing,analyzes the impact of the development of the Internet on the development of the business,and do the tax planning on this business.The case design of the thesis combines the actual business,designing concrete and feasible direct rental product cases from the perspectives of car direct renting business scenario construction,customer channel,risk control system,business model and product design,and constructing a long-term development cooperation plan to support the business.Through the analysis of the automobile financing leasing business and the research on the car direct leasing products,this paper proposes corresponding countermeasures and suggestions.The designed direct leasing case can guide the car habits of young owners to a certain extent,and gradually strengthen the ownership and use rights of vehicles.The concept of separation will promote the financial leasing business to replace the car loan business and promote the development of the used car replacement market,thus breaking the long-term leading car loans and high profits of commercial banks and auto finance companies.