| Average GDP in China has beaked though1000US dollars and3000US dollars caused by high economy development started from the2000year. At the same time, automobile industry has been meeting its golden boosting years, which maintains high compound growth rate. Though automobile finance field increases as well, the pattern and speed do not meet the finance requirements of the auto industry. At the same time, the gap of maturity and civil basis between China and developed countries is still large due to the short finance history in China. The first period ends at2011during which every partner in the field seized their ground. Then participants focus on defending and exploring their own fields after2011. However, competence pattern such as service and cost is too obsolete and rough to serve the huge market and realize the enhancement. Auto industry encounters bottleneck. This paper presents limitations of auto finance field and problems of risk control, business pattern and products target caused by rough growth. The paper specially analyzes methods of breaking ceiling board and development pattern in the condition of controllable risk and fierce competence. Not only how to make finance serve auto industry better is discussed, the paper also underlined ways of difference competence and adjustment when facing auto industry change such as maturity and concentration degree.The first chapter presents the auto finance basis information and development patterns globally. The2nd chapter discusses the current situations such as maturity of automobile industry in the world to better discuss the auto finance later. The3rd chapter presents popular finance form the auto industry. In the4th chapter, current auto finance has been analyzed using the SWOT method. Based on problems in the auto finance business and some customer requirements, we took reforms and developments of auto finance department in the CITIC Bank and China Minsheng Bank for example, development thought was proposed. Furthermore, risk control ways and valuation methods in auto finance upstream merger market were discussed. At last, suggestions were put forward about the auto finance development. |
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