Research On The Competitive Strategy Of Auto Finance Service In SPDB Changchun Branch

With the development of China's economy to high quality,the automobile industry,as an important part of China's industrial industry,has achieved rapid development under the support of national policies,and also brought the prosperity of the automobile financial market.Although commercial Banks with capital power always occupies an important position in the field of automotive supply chain,but with the enrichment of auto financial participation main body,automotive finance company,financial leasing companies,Internet onboard auto financial companies,financial markets these institutions because of its flexibility to gradually weaken the core competitive ability of commercial Banks.Therefore,in order to achieve healthy and sustainable development,it is imperative to study and formulate the competitive strategy of auto finance business of Shanghai Pudong development bank Changchun branch Through research and analysis,this paper aims to provide reference for the formulation of auto finance service competition strategy of Shanghai Pudong development bank.First of all,this paper expounds the background and significance of the research on the competitive strategy of development bank's the auto finance service,lists the research methods and content,and summarizes the relevant domestic and foreign literatures and theoretical basis for main reference.Secondly,through the introduction of the development situation of Shanghai Pudong development bank auto financing service,the business index analysis,points out the problems existing in the development of the bank,namely the low market share,development growth is slowing,profit levels drop,and analyze the causes of these problems,because in the product design,quality of service and management level of deficiencies cause development did not reach the expected level.Thirdly,the external environment of Shanghai Pudong development bank's auto finance service is analyzed from the aspects of policy environment,economic environment,social environment,technical environment and industrial environment.In the macro environment,there are not only favorable opportunities brought by the introduction of auto-related industrial policies,changes in consumer consumption concepts,consumption upgrading demands,big data and the development of artificial intelligence,but also unfavorable factors such as strong regulation,economic adjustment and transformation,and real estate crowding out effect.In the industrial environment,the paper mainly studies and analyzes the industrial environment of Shanghai Pudong development bank's auto the finance service from four aspects: Porter's five forces model is applied to analyze and study the current situation of the industry environment in which SPD bank's auto finance service is located.At the same time,this paper analyzes the bank's internal environment from three aspects: organization structure,internal control and human resources.Through the above research and analysis of the external and internal environment of the auto finance service of the bank,SWOT analysis model is used to analyze and research from four aspects of advantages and disadvantages,opportunities and threats,and four development strategies of auto finance service of Changchun branch are proposed.Finally,based on the above research and analysis,this paper determines the competitive strategic objectives of the auto finance service of Pudong development bank Changchun branch,and proposes that implementing differentiation strategy is the best choice for the current development of competitive strategy for the auto finance service of Shanghai Pudong development bank.At the same time,the method of competition strategy implementation is determined,and then the guarantee measures of differentiation strategy implementation are expounded from four aspects of organization optimization,human resources,risk control and information technology.