| Recently,automobile credit business in Chinese automobile market is initial stage of automobile finance ,which greatly promotes Chinese automobile sales.Automobile finance has been developing for nearly one hundred years abroad ,but is still an emerging business in china .How to make profit and whether the foreign advanced patterns can be copied into china is worthwhile studied.Firstly this thesis explains the current automobile finance and experiences in developed countries. We point out the weakness of profit patterns in Chinese automobile finance by comparing profit patterns abroad and domestically . The foreign advanced experiences of profit patterns of auto finance can be drawn as following : specialized service entity ;the support of governmental policies; varied service methods; multi-channel finance tools ; participated by advanced credit intermediaries.Based on the theory of value chain and maximizing consumer's value , joined with Chinese conditions ,we advance X profit patterns of automobile finance service . Then we also provide the supporting measures ,which are as following :improving current laws and regulations,opening the currently credit data and developing databases , fostering credit intermediaries , establishing published mechanism of default ;improving the existing institutions of registrations of property right ;opening more finance channels for automobile finance from banking loans , issuing Asset-backed securities, saving for cars and automobile finance asset securitization; training more talents in the current professions and speed college education in this field .
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