A Case Study On The Auto Lease Financing Enabled By Information Chain Of 4S Store

As an important form of automobile financing,financial leasing has been favored by consumers in recent years because of its flexibility,convenience and low requirements for qualification examination.However,with the continuous sinking of the customer group in the automobile financial leasing market and the overall lack of credit investigation of the long tail customer group,risk control management has become an important factor restricting the development of the financial leasing market.In reality,in the process of providing customers with full life-cycle services,4S stores not only master customer information such as purchase payment method and loan status,but also collect maintenance and accident information of vehicle.Therefore,the multi-dimensional heterogeneous information about customers and vehicles produced and collected by the key business nodes of the 4S store is used to build an information chain and apply it to the product design and risk control management of automobile financial leasing can not only effectively play the role of information production and value creation of the 4S store,but also enable the digital transformation and development of automobile financial leasing companies.On the basis of combing the business process of 4S store in detail,this paper first summarizes a scheme of collecting and constructing information chain based on the key business nodes of 4S store,including original information collection,information chain formation and construction framework,and focuses on the process and mechanism of 4S store information chain enabling automobile financial leasing business.Secondly,taking pioneer international financial leasing company as the case object,this paper discusses several typical scenario applications of 4S store information chain enabling financial leasing business in practice,and evaluates the enabling effect of information chain from three aspects: management efficiency,product design and financial performance.Finally,it puts forward research enlightenment and Countermeasures for the development of relevant enterprises and industries.The results show that: based on the business and operation process of 4S stores,the multi-dimensional heterogeneous data collected by internal and cross departments and external links with upstream and downstream entities can be integrated according to certain rules to form an information chain,which can break the information island,realize data fusion,and enable customer portrait,vehicle value evaluation,premium pricing and asset securitization.Further,the case study on Pioneer International Leasing Ltd.shows that the using of 4S store information chain not only promotes the establishment of a unified information management system and thus effectively improves the operation efficiency of grass-roots business,but also contributes to help the firm design innovative financial leasing products for a variety of used cars or new energy vehicles,and improves various financial performance indicators including the increase of the income from asset disposal.