Study On The Influence Factors Of Chinese Automobile Consumption Credit Development

Recent years,consumer finance develops rapidly in china.On June 10,2015 in the meeting of the State Council executive,Premier Li Keqiang made to carry out pilots of consumer finance company around the country,to stimulate consumption and promote economic development.The consumer finance report of IResearch predicts that by 2017,the market share of the consumer finance industry will be more than one hundred billion yuan,and the compound growth rate will reach 94% in three years.As an important way of consumer finance,the automobile consumption credit is increasingly concernedby all parties in recent years.But it does not match with the huge automarket of Chinathat the automobile consumption credit is relatively backward.Affected bymany factors,the automobile consumption credit in China remained at the initial stage.Because of its great potential and broad prospects,and it can bring to better development of the auto market and Chinese economy,it is important to research the influence factors of Chinese automobile consumption credit.This article describes the background and significance,and based on the introduction of the relevant literatures,I determine the research methods and the trains of thought,innovations and shortcomings.Then,through camparing the development status of foreign and domestic,the potential problems of Chinese automobile consumption credit will be found.Secondly,I will analyze the influence factors fromfour different perspectives of the government,commercial banks,auto finance companies and consumers,and how these factors limit the growth and development of Chinese automobile consumption credit market.Again,I will make a questionnaire to collect samples in different cities,and start research and discussion comprehensively from the consumer population characteristics,values,and the important influence factors of automobile consumption credit behavior.Finally,making a summary of the theoretical analysis and the research analysis to find out theinfluence factors of Chinese automobile consumption credit development,and explore how to control the factorsmore effectively,I put forward some targeted suggestions to develop the automobile consumption credit.