Study On The Influence Factors Of Chinese Automobile Consumption Credit

The automobile industry is one of the pillar industries in the21st century and it grows very fast in recent years. Relatively speaking, the growth of automobile consumption credit lags behind. Compare with that of developed countries, Chinese automobile credit has vast potential for future development. Its growth can drive the automobile industry and the entire national economy development. But currently, Chinese automobile consumption credit is still at the beginning stage caused by some restraining factors. So there has a profound historical significance to study on the restraining factors of Chinese automobile consumption credit.Firstly, the thesis describes the current situation of domestic automobile credit, systematic expounds relative theories, finds out the main problems. And then using several kinds of theoretical analysis methods to make further analysis:Using PEST analytical method to analyze its macro-environment, using value chain analytical method to analyze the benefit and contradiction of every credit subject, using game theory model to analyze the game relationship between consumer and bank, and then conclude the four main influence factors of Chinese automobile credit, which are individual credit system, auto financing company, consumer credit concept and auto financial products’competitiveness. Further on. utilizing empirical approach to build a multiple linear regression model and call by the four influence factor values and to certify the correlation towards Chinese automobile consumption credit. In order to supply for the empirical analysis of the data validation, using case study and personal working experience to calculate the rate of concession and analyze the result of consumer behavior study. At last the thesis concludes the main influence factors of Chinese automobile credit and raises the operable and constructive suggestions.The creation point of this thesis is to analyze the influence factors and to raise suggestions through several kinds of analytical method and angle, together with the personal working experience. The study has certain referential meanings to every automobile consumption credit subject and makes contribution to the improvement of the entire Chinese automobile consumption credit system.