Research On The Current Situation And Countermeasure Of Financing Lease Business Of JD Automobile Company

With the rapid development of China’s automotive industry,the mode and mode of modern car purchase have undergone great changes.Some more flexible and convenient ways,such as financing lease car purchase mode,have emerged as the times require.Automobile finance leasing is one of the modern automobile finance modes,which is welcomed by many young people and enterprises.Automobile financial leasing originally has a good development prospects,but under the rapid development of the shell,it hides a large number of deficiencies in the development of financial leasing business.If we want to occupy more market share in China,we need to learn from foreign mature business development experience and improve development barriers to make the industry develop healthily.Now take JD automobile company’s financing lease business as an example,carry on the present situation analysis and the countermeasure research,find out the real reason which affects the business development.JD Automobile Company was founded in 2003,specializing in car cleaning,decoration and fast maintenance,used car brokerage,insurance sales and after-sales,automobile finance and other services.Finance leasing business has become a key project of JD Automobile Company in recent years.However,after nearly two years of business practice,the development of finance leasing business has encountered many problems which are not as expected.Through questionnaires and interviews,the author finds out many deficiencies in the development of JD automobile company’s financial leasing business.Including: business lack of market awareness,greatly restricting business development;financial leasing products are single,unable to meet the diverse financing needs of the majority of customer groups;wind control model is not perfect,the traditional way of audit is cumbersome,leading to customer loss,while the imperfect audit model can not give authoritative and effective audit results,guidance.There are potential risk parties;the operation mode is not innovative enough to expand business rapidly.This paper focuses on the following aspects of JD automobile company’s financing leasing business in the development of the problems: first,improve brand awareness,through increasing the publicity of the company itself to enhance the visibility of the financing leasing business,while establishing cooperation between the same industry and other industries;second,optimize the financing leasing property.Products,in line with customer needs,clear product positioning,design more market demand for automobile financing leasing products;Third,establish a sound wind control management mechanism,enhance pre-loan,loan and post-loan risk management capabilities,reduce risk and reduce losses;Fourth,remould the new operation model,fully integrate and use the company’s internal.Each channel resources,the expansion of external sales channels and the establishment of strategic partnership with the host plant into its brand sales channels.In order to make business develop faster and healthily,it is also necessary to strengthen the introduction and reserve of professionals,improve the legal and business processes,and the study of such issues needs to be further analyzed in the future.