| Today, the Bank of China enterprises all extremely pay great attention to enhance the profit of enterprise fast, along with going on the market of the domestic commercial bank one after another. The consumer loan business is an important asset-operation product which can draw the income earning of the bank enterprise to grow fast. To develop the consumer loan business already becomes the prime task content and direction of development in the growth plan of each commercial bank enterprise. As one of the important consumer loan business products of the commercial bank, the auto-consumer loan business' development is an important operational content of the consumer loan business.This paper takes the auto-consumer loan of the commercial bank in Heilongjiang Province as an object of study, unifying the economical present situation and automobile market development of Heilongjiang Province. The purpose of this paper is to promulgate the great potential of the auto-consumer loan business' development through the international comparison with the present situation of the auto-consumer loan business, and to find its development trend based on the condition analysis of the auto-consumer loan business of the commercial bank in Heilongjiang Province. At the same time, this paper researches the present situation of development and problems aiming at the auto-consumer loan of the commercial bank in Heilongjiang Province thoroughly, based on the modern management theory as the foundation. The operation mechanism and development strategies of auto-consumer loan abroad are taken as the reference model. The direction and target of development of auto-consumer loan of the commercial bank in Heilongjiang Province are analyzed, using the advanced experience of the overseas auto-consumer loan for reference. Then the strategies which will be helpful to provide the support of theory are proposed to speed up the development of the auto-consumer loan business in Heilongjiang Province. |
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