The Bank Of China Gansu Branch Automobile Financial Service Improvement Plan Research

With the steady growth of Chinese residents' income in recent years,rapid growth in demand for cars and car consumption credit,at the same time,the establishment of an auto financing company also on China's commercial Banks to develop auto consumption credit constitute a direct competition.The latest statistics show that the China association of automobile manufacturers,automobile production in 2015 of 24.5033 million and 24.5976 million respectively,and the world record,for seven years to become the world's first big country,auto industry profits can no longer be confined to the car sales and after-sales service,the automobile financial service as a new source of profits created a ring,can lower the difficulty of consumer purchases,raising consumer viscosity,make auto industry profits back gradually,accelerate the auto industry transformation,stimulate the automobile consumption market.Under this background,the commercial bank auto financial services business? How to compete with an auto financing company? Need is theoretically discussed and studied.This paper first analyzes the auto financing company,and the development of auto financial business of commercial bank,the financing way of profit,policy regulation and the social and economic environment,expounds the business process of auto financing companies and commercial Banks in China,and the characteristics of the business,then use the SWOT analysis method,shows that commercial Banks in comparison with the advantages and disadvantages of an auto financing company,illustrates the necessity of auto financing in commercial Banks.Secondly based on the analysis of the present status of the bank of China,gansu province automobile financial service,and points out problems existing in automobile financial service.At the same time,this paper puts forward the bank of China,gansu province automobile financial service plan,and how to build a comprehensive and effective system of financial risk management.Finally,put forward the development of the auto financing of commercial bank how to conclusions,and auto financial development outlook for the future.