| With the vigorous development of China’s economy,the commercial vehicle industry,as a basic means of transportation,has achieved rapid development.By 2018,the number of commercial vehicles has reached 40 million.The prosperity of the real market has led to the rapid layout of the financial market,resulting in the financial demand around the "buy-use-repair-exchange" of commercial vehicles.However,due to the remote operation scenario of commercial vehicles,the high cost of business management,and the difficulty in identifying customer qualifications,only the purchase scenario has a higher financial coverage and more convenient products and services.The financial needs of operation scenarios such as using and repairing cars are difficult to meet.There is an urgent need for market finance.F Company is a leading large-scale commercial vehicle enterprise in China.It has rich business experience in the supply chain finance and the whole vehicle finance of commercial vehicles.In 2016,F Company began the distribution of Internet finance in the commercial after-vehicle market.At present,it mainly cooperates with external institutions to provide customers with financial services in the commercial after-vehicle market,such as operating loans,insurance and so on.Over the past two years,the financial business of F Company has been progressing slowly in the post-commercial vehicle market: Firstly,the business scenario planning and linkage are insufficient,which makes it difficult to achieve the effect of business synergy enhancement;secondly,the transaction Structure is not clear,and the operation of 2B2 C mode or 2C mode is uncertain;thirdly,the market adaptability of product process is poor without its own credit license.Fourthly,the wind control system is affected by the whole vehicle finance and has poor matching with the actual business situation.Fifthly,with the rapid development of commercial vehicle after-market business,the future business competitiveness is insufficient.In view of the problems existing in the Internet financial operation of F company’s commercial vehicle aftermarket,through the analysis of the industrial operation mode of commercial vehicle aftermarket and F company’s own resources and capabilities,the improvement scheme is proposed for scenario planning,transaction structure,risk control mode,resource platform and product process.Through the integration of existing business,the establishment of strategic cooperation resources,flexible product process design,enhanced business promotion,refined wind control measures and other specific measures,the business has achieved a ring-to-ring growth of more than 40% in the past six months.It is expected that in the future,with the landing of various improvement plans,there will be further growth,which will contribute to the financial layout of F company’s commercial vehicle industry chain.Through the business analysis and operation mode improvement of F company’s commercial vehicle after-market,this paper attempts to provide more ideas and reference for the development of financial business in the commercial vehicle after-market,and provide case support for manufacturers’ financial and social finance to intervene in the financial operation of commercial vehicle after-market.It is hoped that more capital will enter the aftermarket finance of commercial vehicles in the future,alleviate the current situation of financing difficulties in the industry,and provide more power and support for the development of the commercial vehicle industry. |
