The Study Of Auto-finance Credit

The auto-finance credit business can also be named as the auto-consumption business, which is the core of the Auto. The auto-consumption business is mainly responsible for the grant of guaranteed loan to the party who ask for the loan. It can also supply the above-mentioned loan to the buyer who adopts the method of payment by a lump sum. And a further business is to combine the insurance company and the notary office to supply the buyer the notarization and insurance.The paper firstly analyzed the operation experience gaining from the United States and Germany which has the sound and fast-growing performance in the auto-finance industry, mainly from the viewpoint of the auto-credit organization, the pattern of business, risk control and the financial products. Among which the successful experience of the operation pattern and risk control will have great benefits to our country's development. Then the topic mainly focused on the outline of our country's auto-credit, summed up the production line of the auto-consumption credit, concluded the auto-credit pattern in different periods and the operation organizations, and the paper made the large remarks concerning about the auto-credit risk's current situation, the causes and the solutions. In the fold of the risk control, the paper had proposed that the country must make relative laws and regulations to standardize the auto-credit business, to improve the consumers' conscience and to strengthen the management of the financial organizations. The newly created measures and the tools of risk control and the up-to-date techniques will be introduced to lower the risks caused by breaking up the contracts.The paper had put forward the designation of auto-financial products and made one more complete summary about the key points to design the products, in which there were the preparations of designation, the detailed strategy of the development, the ordinary process and the value appraisals. When to make designations of the consumption credit the suggestions about learning from the successful experience of the financing release and the combination between the auto-release business, the auto-insurance and the auto-credit business will be adopt to invent and recreate the complex financial products. Finally the paper made the conclusion: (1) Through leaning from and utilizing the foreign experience, our country's auto-consumption credit will obtain its increasing growth rate; (2) The changed and the revamped patterns of the auto-consumption credit will have more benefits to meet the demands from consumers; (3) To break the deal is the trap when to launch the business of the auto-consumption credit, while the traditional risk control measures must increase its development pace, and the new kinds of the risk country tools will gain its wide market shares; (4) The scheme of the designation will popularize; (5) At present our country's designation patterns need to adapt the market changes which can make the products more flexible and more variable. At last auto-consumption credit will definitely have its large-scale prospects, the automotive manufacture, the maintenance, the insurance, the credit and the old car business all can be regarded as the most valuable factors when to design the financial products and the relative research work will be subordinately widened.