Research On Optimizing Financing Lease Business Of XY Automobile Company

The financial leasing business in our country began in the 1980 s of the last century.Since the beginning of the new century,with the development of economic and global integration,the financial leasing business has been greatly developed,and a large number of financial leasing companies have emerged,and the financial leasing business of automobiles has also been developed.With the further maturity and development of our country's market economy,the demand for automobiles is also growing,which has led to the rapid development of the automobile industry.However,the automobile industry in our country is still operating in a “sell-oriented” sales model.The corresponding auto finance started late and developed slowly,and auto finance is mainly based on loan purchases,while the already mature auto financing abroad.The rental marketing model has just started in our country,and the theoretical research is very immature.It is necessary to carry out in-depth research,which makes the research of this paper have certain theoretical value.This paper conducts actual investigation and research on XY Company's automobile financing leasing project.Based on the research of specific cases,the actual operation of the financial leasing model can be demonstrated through the practical application of the financial leasing model,and the existing advantages are explained.The role played,and pointed out the relevant recommendations to further improve the car financing leasing model.Specifically,the main contents of this paper have following aspects: the introduction part,expounds the purpose and significance of this research,and explains the research method and research framework of this paper.The first chapter analyzes the theoretical analysis of automobile financing leasing and situation from China.The development and characteristics of automobile financing leases and existing problems;the second chapter introduces the basic business status of the case company XY company,points out the necessity,development process and effectiveness of XY company's financial leasing business;the third chapter,through case analysis,find out the problems of XY company's financial leasing business,and analyze the causes of its financing problems;the fourth chapter is to solve the problem in the previous chapter,and cite the need for improvement through specific solutions to further Improve the vehicle financing leasing model of XY Company.Finally,the conclusions of this paper,as well as the innovations and shortcomings in the research process,are pointed out,and the prospects for future research work are given.The conclusions of this paper are as follows:(1)XY's existing marketing model has the disadvantages of low profitability,high barriers to entry,and low customer experience.It needs to introduce a financial leasing model to improve.And the model advantage of XY Company's auto financing lease is also obvious.This paper explains from the perspective of taxation and corporate finance,and analyzes the economic advantages of the financial leasing model through the end-of-term purchase,end-of-term replacement and end-of-term return of financial leasing.(2)XY's auto financing leasing business has problems of low consumer awareness,high cost of financing leasing,product not satisfying user demand,and high risk of financing credit.In-depth analysis of the reasons found that XY company's brand awareness is low,financing channels are single,product design homogenization and risk control system is not sound.(3)XY Company should optimize the auto financing leasing business,take certain measures to control,establish a complete auto financing lease asset registration and add a special car lift,establish a sound social credit system,access the credit information system,design Stepped penalty interest,judicial means to prevent customers from overdue payment and introduction of positive incentives for prevention and control,should comprehensively control the risk of financial leasing business,prevent risk of financial leasing business,establish risk management and control awareness,and establish internal risks The management system;the external environment and supporting service measures for auto financing leases should also be improved,and relevant laws should be improved to guarantee the financial leasing business.Although the financial leasing is still a “newborn” in the domestic auto industry,there are still various obstacles in the development of various aspects.However,it is extremely imperative to develop a new marketing model for the financing of car special stores.Through the introduction of the XY financial leasing project in this paper,it can provide some reference for the development of financial leasing projects in the automotive industry.At the same time,this article from the improvement of policies and regulations,improve the legal environment;introduce preferential measures;expand the market experience,strengthen market linkages;improve the risk management system,reduce the risk of auto financing leasing operations;build a network platform,improve the level of information,etc.