Research On The Cooperation Mode Of Automobile Finance Between T Bank And Automobile Finance Leasing

The data shows that the penetration rate of China’s auto finance is about 40%,which is far behind the average of 70% of the global auto finance penetration rate.The change of automobile consumption market will certainly drive the change of auto consumer financial market.With the rapid growth of automobile consumption,auto consumer finance has become a new core driver of automobile circulation industry.As the two main participants of auto consumer finance,commercial banks and auto finance leasing companies,how to achieve complementary advantages and promote the development of auto consumer finance through multi-party cooperation has a strong practical significance.Starting from the current situation of automobile finance development,this paper introduces the business advantages and development difficulties of commercial banks and automobile financial leasing companies in the field of automobile consumption finance,and introduces the background and reasons of cooperation between commercial banks and automobile financial leasing companies.Using the business model canvas analysis theory,this paper analyzes the elements of the cooperation mode between T Bank and auto financing leasing company,and analyzes the logical relationship between the elements of the business model.The main conclusions are as follows: the main obstacles encountered in the construction of the cooperation mode between T Bank and auto financing leasing company include the lack of policy and legal support,and the chaos of the auto financing leasing market The main reasons are that China’s legislation and supervision mechanism are not perfect,the development of automobile consumer finance industry is not mature,and the risk prevention and control measures of bank rent cooperation mode are not yet systematic.Based on the above conclusions,combined with the development experience of foreign auto finance,this paper puts forward the countermeasures and suggestions for the optimization of the cooperation mode between T Bank and auto finance leasing company.First,it is necessary to improve the legal system and regulatory system,improve the laws and regulations of automobile financial leasing,and optimize the regulatory system of automobile financial leasing.Second,it is necessary to promote the standardized and fine development of automobile consumer finance industry,vigorously promote the development of automobile financial leasing industry,strengthen service awareness,promote the standardized operation of enterprises,and establish a differentiated product service system based on user needs.Third,it is necessary to promote the development of automobile financial leasing industry.We should improve the risk control system of bank rent cooperation,improve the personal credit evaluation system,and use financial technology to improve the risk prevention and control system.