| It has become undisputed auto century in the last century. In this century, some country (etc. America, Japan, Germany, Korea, Brazil) was succeed because their auto industry developed very soon. In developed country, auto industry product account for about 10%--20% among GDP, While our country is only 3%. Our country's auto industry has developed quickly recently, auto industry product's proportion in GDP is rising constantly. Auto consumption in our country has increasing tendency in high speed. It's forecasted by authority that china will become the third auto market in the world at the end of 2010. At the same time, clients of auto consumer credit only account for about 10% in gross, while in America the number is 85%. It's obviously that auto financial service is lagging in our country. Auto consumer credit market hasn't been exploited, thus it has seriously restrict auto consuming and auto industry's developing. It's very important to build our own auto financial service system. To do so, we must study auto consumer's developing situation, analyze the succeed mode of foreign country, and find good way to solve some questions. Auto consumer credit has a history for about 100 years. The big multinational companies have their own financial firm to help their marketing. These financial firms and their mother company have a same benefit, and have a osculation relation ship with franchisers. While they are pursuing the benefit, they can help the mother company in whole developing stratagem, and realize the double win of auto marketing and auto consumer credit. And the specialty advantage of these auto financial company can provide more comprehensive products and services. And the most important thing is that they can ensure the highest efficiency with their experience and developed venture evaluate controlling and operating system. Individual credit system is healthiness and the mortgage system is perfect overseas. All the financial actions were registered and networked by qualifications credit company. All these can reduce a lot of jobs which bank distinguish information of applicant. It can save the credit cost and make the loan procedure simple and convenient. The computer can search the consolidate No. which the loaner log on when he purchases the car. And the perfect mortgage system let the bank or company take back the car if the loaner unable to return the loan. It's displayed in new data that 70 percent in the world of the private car is purchased with loan. In U.S.A the rate can reach to 85%. In Germany the date is 70%, even if in underdevelopment INDIA the rate also can reach to 60%. Early in 1994, there was the auto consumption rule in our country, but in that period the market is quiet. Only 10% of the auto consumption is installment.With china entering into WTO, many foreign auto financial institutions come to the large Chinese market. Facing to the fact, in this article, we analyzed at large the auto financial service between domestic and overseas. With the rising of the auto consumption, the market of the auto financial has formed gradually. In this case, what kind of auto financial service can be in our country is the main question being focused by all circles. We analyzed the overseas auto financial service main body and main mode in this article.Firstly we compared the main body of the auto financial institution. We mainly introduced the financial institution and auto financial service company such as the credit union, trust company. Secondly we compared the financial service mode of the auto consumption. And we introduced the installment mode, financing tenancy mode and refinancing mode. Finally we introduced some successful mode and management method such as GMAC, FC, VWC. From these analyzing we can kwon the obstacles facing to auto financial service. In order to encourage developing the auto financial service, we must eliminate the institutional obstacles to supply a good circumstance for developing the auto financial service. In the condition of currently mark...
|
PDF Full Text Request