1、 Automobile finance research Abstract: The automobile industry has hundred years history in overseas oneself. The people in carefully examine, savors these 100 year historical time, often saw is the automobile industry magnificent and the wheel nationalitys abundance, but has neglected in this centu
2、ry hundred year, billowing automobile dust behind, some unknown hero - automobile finance service station plays vital role. If did not have at that time “the carapace insect” unsolvable with Germany Volkswagenwerk famous “five Deutsche Mark credits” emerging, does not have today “the unparalleled in
3、 the world” automobile empire and world top level German automobile industry； If does not have the Ford automobile credit company to take the lead the automobile finance service to take the impetus auto sale the release lever, standard and gets down fixedly the automobile finance service with the co
4、rporate system way, and first uses the securitization in the world the way to allow temporary credit class of the continuously fund, also does not have today automobile industry mammoth and the common people lives the convenience to be quick. In a sense, had the automobile finance service, only then
5、 had today automobile industry, today aviation industry and now weather all mechanical manufacturing industries； Also had the automobile finance service, only then had humans radius of action hundred, thousand kilometer level spanning, had the humanity to benefit in the geography space and time expa
6、nds the humanities spirit sublimation which, the movement speed enhanced brings. Automobile finance research Must understand truly the automobile industry, must first read the automobile finance； must develop the automobile industry truly, must first develop the automobile finance. Domestic and fore
7、ign historical oneself after has made clear this point. China passes for several dozens years to attempt one to leave the automobile finance continuously, the independence develops the automobile industry pathway, the result it can be imagined. Is big until now, realized only then gradually, the aut
8、omobile finance is the automobile industry ox muzzle, the automobile finance starts one of important keys which the society expends. Although automobile finance expends in the finance in the overseas society, after has become continues the real estate finance the second big finance, but in China whe
9、ther needs to develop also has the very great dispute. In other words, whether does the automobile finance production and develop in a disorderly way may follow? On the one hand I according to Mr. Liu Fuyuan “the national economy space and time theory”, also “national economy development phase to ec
10、onomical thing and economic phenomena keeping in balance with guiding function” the viewpoint embarks, “deepens and “the consumption pattern has and the change rule” the angle from the finance”, had the development national economy stage space and time characteristic to the automobile finance servic
11、e to carry on the analysis, proposed “the automobile finance was the national economy develops the financial phenomenon which under the specific stage appeared inevitably” and “the consumption pattern operating law decided the automobile finance had the development” and so on the viewpoints. On the
12、other hand I attempt through the automobile finance service to macroscopic economical and the microscopic economical function analysis, explained the automobile finance service enhanced the automobile production, the service, the expense domain fund use efficiency, strengthened the financial service
13、 superiority, thus further emphasized the automobile finance produces rationality: The automobile finance can adjust in the national economy movement three big contradictory: “Production and expense contradiction”, “turnover of capital contradiction”, “credit (demand) and deposit (supplies) contradi
14、ction”； The automobile finance has “the high value transferability” to the automobile industry, has “the height dependence and the catalytic nature” to the tertiary industry, has “the high placement” to the employment； The automobile finance may play “the maintenance sale system to the automobile ma
15、nufacturer, the conformity sale strategy, provides the market information the role”； the automobile finance may play to the car dealer “provides goods in stock financing”, “transport business fund allows temporary credit”, “equipment financing” the role； The automobile finance may play to the automo
16、bile user “provides the expense credit”, “rents financing”, “service financing”, “the insurance business” the role； In brief, “the automobile finance can consummate socialized, the marketability financial service system”. Under the above analysis premise, I place the research and the writing key poi
17、nt the automobile finance concrete operation flow in several key questions, argues vigorously establishes a relative consummation the structure system. Because at present in domestic, but also does not have one special to discuss with the literature, even is one has the depth paper, studies the auto
18、mobile finance question, I only then “look for a needle in a haystack”, seeks some fragmentarily, the dispersible material from the overseas university development facility and in the automobile finance service website. The innovation aspect, belongs in the research area “runs the horse stable place
19、”, the basically entire structure is new, but also is preliminary. According to “automobile finance historical development - - research system foundation； Automobile finance profit pattern - research system core； Automobile finance credit administration - - research system inner layer； Automobile fi
20、nance financing mechanism - - research system outer layer: Automobile finance product development - research system surface layer” the order launches； In the research technique, has mainly used “the comparison research” the method, in the Western economic, the finance study, the insurance study, the
21、 service management science, the financial engineering, consumer economics domain extensive cultivation and so on the marketing study, compatible and gathers, uses these theories to explain diligently the automobile finance the related question, and has formed some new viewpoints, mainly has “the au
22、tomobile finance increment profit pattern” in the concrete content, “the credit reimburses ability management”, “the automobile finance multi-dimensional financing structure”, “the automobile finance financial product development”, “the automobile finance product achievements marketing” and so on. First, understands the automobile finance “the development history”. Has analyzed the automobile finance service companys general evolution history process and the current several kind of main existence form, including “big
