Study On The 6-like Mode Commercial Operation In Automobile Finance Lease

The automobile finance and leasing industry has an important role in promoting the sale and circulation of automobiles(including used cars)and optimizing the allocation of social resources.Although China’s auto market has been holding the top position in the world for nine years,there still existed a series of problems such as low financial penetration rate and upside down sales of new and second-hand cars and the auto finance lease industry is not mature and perfect.Therefore,it is of great practical significance to analyze and study the present situation of auto finance leasing industry in China and the business operation mode which adapts to the actual situation in China.Based on a large number of relevant data,through the anonymous interviews with several practitioners of auto financing and leasing enterprises in different regions and scales,as well as actual visits to second-hand car markets in some Chinese cities,basic grasp of the domestic related industry of the General Status Quo and existing problems.Based on the current situation,through the analysis of the existing problems and drawing lessons from the more mature experience abroad and the benefit simulation analysis,put forward and established the 6-like commercial operation mode which is located in the cross-section of second-hand automobile market and financial leasing.Its content is a car sales system with deep participation of vehicle manufacturers,with remanufacturing cycles as the core and three types of financing and leasing products as the tools.The 6-like model can effectively leverage the new car to the second-hand car circulation channels,while solving the phenomenon of the lemon car market to increase market financial penetration,but also meet the risk control and sustainability requirements.The analysis and demonstration of the data model in the paper shows that the model has the ability to make profit from the circulation transaction of the vehicle.Therefore,this model has certain feasibility and practical application value.