Research On The Development Of Internet Automobile Financial Leasing In China

In developed countries such as North America,auto financial leasing has become an important mode of automobile consumption,but it's still in the primary development stage in China.From the perspective of auto financing leasing penetration,the penetration rate of auto financial leasing in North America can reach 48%,but China's current car financial leasing penetration rate is still less than 5%.From the perspective of car ownership,the number of cars per thousand people in the United States has reached 800,but there are only 150 in China.The automobile industry is the pillar industry of the national economy.How to promote automobile consumption,improve the penetration rate of automobile financing lease and regulate the operation and development of the Internet automobile finance leasing market? These problems have become urgent to be solved.Nowadays,with the rapid development of Internet technology,Internet automobile financial leasing emerges at the historic moment.As a way to promote automobile consumption and improve the penetration rate of auto finance,Internet car financial leasing is still in the initial stage of development in China.In addition,as a new form of business and a new model,Internet automobile financial leasing also exposes some problems in the development process that need to be solved urgently.Therefore,the research on Internet automobile financial leasing is of great significance.As a newly emerging concept in the past two years,Internet automobile financial leasing is not yet an officially recognized expression.Therefore,this paper first summarizes the research related to Internet automobile financial leasing.Then by comparing the Internet automobile financial leasing,automobile financial leasing,automobile finance,auto consumption credit and auto rental,a concept definition of Internet car financial leasing is made,and this paper analyzes the theoretical basis on which this concept is put forward,including intertemporal consumption theory,industrial integration theory and industrial value chain theory.In order to make a reasonable and referenceable proposal for China's Internet car financial leasing market,this paper first makes a systematic analysis of the development history,current situation and business model of China's Internet car financial leasing.Then,the whole framework system of China's Internet car financing leasing is deeply studied,including the basic framework of Internet car financing leasing development,the method of obtaining customers,the means of risk control and the profit model.On the basis of this framework,this paper takes Tan ge che,the forerunner of Internet auto financial leasing,as a case to analyze,and summarizes some problems in the development process of Tan ge che.Based on the above analysis,this paper summarizes the problems existing in the development process of Internet automobile financial leasing in China,and provides targeted suggestions for the above problems.At last,this paper summarizes the future development of Internet automobile financial leasing.