Research On Financing Lease Business Development Of H Motor Company

In recent years,with the development of flexible and diversified mode of purchasing the car across the country,finance lease shows its vitality.The rising finance lease leads automobile finance market of China,and changes the traditional auto sales mode.It becomes one of the modern automobile consumption financing modes,which has attracted increasing automobile companies and large enterprises.The development of automobile finance leasing business is going to possess quite considerable market capacity and broader space.However,there are much weakness in existing automobile finance leasing industry of our country.For instance,it emerges narrow financing channel,lacking of risk management,much operating risk and imperfect of related laws,etc.all of which bring the negative influence of the development of automobile finance leasing business.Therefore,automobile finance leasing business needs to break through existing development mode,draw on the experience of mature business development of automobile finance leasing,optimize business development barrier and push the healthy and orderly development of business.H Motor Company is a specialized company on financing lease business.In bullish on potential of Chinese auto financing market,its major business is auto financing leasing.While after more than two years practicing,the development of auto financing lease business is not satisfactory.For example,there are no scientific forecast on the market.When spread out the large-scale exhibition hall,they did not increase the company's visibility,and because of imperfect management,less experts and enough fund,the company development came to a stand still..Compared with the financing lease companies in the same industry,H Motor Company could not meet the diversified demands among the general customers with less plans of alternative financing and simplex products,and variety product designs of lease tail.Breakdown credit risk control system,simple handle procedure,less needed information,easy assessment and down payment lead too much credit risks of H Motor Company.Aiming at the existing problems in the financing lease business development of company,the optimization countermeasures of H Motor Company financing lease business development needs to follow several aspects:firstly,by establishing strategic cooperative relations with the mainframe factory,the company needs to enter the brand sales channels of mainframe factory,and establishes cooperation with commercial banks urgently at the same time to solve the financing loans risk and achieve win-win situation.In order to extend the business of enterprise and rise the brand awareness,the company also needs to step up efforts to the propaganda of auto financing lease consumption.Secondly,according to the different needs among customers,the company should designed specifically corresponding automobile financing lease products and services to create the differentiating products,and thus the customers could select the products according to their capacities and fancies.Thirdly,the company is supposed to establish overall risk management on the basis of the leasing time.And the lease cycle could be classified as credit evaluation of tenant before leasing,timely following up the repayment capacity of tenant during the leasing and safety guarantee to the leasing cars,and management of leasing products after leasing to take an effectively control of the risk during the leasing process.In order to ensure smooth implementation of the optimization scheme on auto financing lease,H Motor Company also needs to strengthen the enterprise culture,optimizes the organizational structure,fetches in professional experts to perfect the management system,so as to achieve a competitive advantage in H Motor Company and promote their business development.