Research On Auto Financing Development Strategy Of Guangzhou Postal Savings Bank

Nowadays, Foreign auto finance have very mature pattern, which brings huge economic benefits to commercial Banks and automobile financial company. Along with the development of the domestic auto industry, the market demand continues to expand, since the 1990 s, domestic commercial Banks and insurance companies saw the car of the financial market of great potential and jointly carrying out the car loan business, but due to the lack of social credit system, risk prevention control, auto loan appeared large areas of bad loans. In 2004, the insurance company basic out of the auto loan market, commercial bank car loan business gradually atrophic, seriously restricted the automobile consumption. That same year, the major car manufacturers have launched many domestic automobile financial company, foreign well-known automobile financial company also began to enter the Chinese automobile financial market. By the commercial bank in the domestic automobile financial market monopoly on management pattern is broken, but because the automobile financial company by regulatory policy, capital, management level, talent reserve conditions of constraint, still cannot become the main force of the domestic automobile financial services. At present, commercial Banks still holds financial market dominance of the car.This paper first Outlines commercial bank of the auto finance business development course and the present situation of the development, based on the theory of commercial Banks and financial car finance discussion and research situation, determine the development of the auto finance business bank positioning. Further analyzed the domestic commercial Banks of the auto finance business market prospects, commercial Banks of the auto finance business the necessity and the importance of on detailed analysis. The market of auto finance business capacity, the provider, products, business model, marketing channel, risk management, market environment, and other aspects of the content on the full instructions. Finally, the Guangzhou Postal Savings Bank (GZ PSBC), for example, the review in the course of the auto finance business, summarizes the problems in development, this paper expounds the necessity of the development of the auto finance business. For how to carry out the auto finance business, this article through to the external environment, such as auto market analysis and GZ PSBC itself advantages analysis, clear the GZ PSBC of the auto finance business orientation, the realization of the target of the auto finance business development strategy.