A企业汽车消费信贷业务模式研究

发布时间：2018-03-20 07:41

本文选题：汽车消费信贷　切入点：A企业　出处：《首都经济贸易大学》2014年硕士论文　论文类型：学位论文

【摘要】：我国的汽车消费市场目前发展快速,各类汽车中,家用车的购买量和使用率也在逐渐增加,而作为提供给消费者在购车时资金的汽车消费信贷,为推动汽车产业发展的重要的辅助行业——汽车金融行业,受到了各品牌汽车厂商、各级经销商、金融机构的重视。A企业自2009年在北京开展汽车消费信贷业务以来,经过不断市场探索及调整业务结构,目前已经将业务模式复制至上海、天津等国内近100个一二线城市,成为当前市场上银行业内领先的金融机构,但是在业务发展的同时,其他金融机构系统创新、效率优先等等举措使A企业的领先地位堪忧。本文通过在国内外各种汽车消费信贷业务模式的对比基础上,调研当前国内市场上信用卡及其他汽车消费信贷模式,研究中国汽车消费市场的优劣势,同时运用理论SWOT分析的研究手段对A企业汽车消费信贷业务进行深入剖析及研究,提出A企业该汽车消费信贷模式的优劣势及整改后的实施效果,得出该模式在当前汽车消费市场的竞争力和实践方面的优势和不足,提出有一定实践意义的业务发展建议。研究表明该银行汽车消费信贷业务进入北京上海市场早,该业务的信贷政策、操作流程等业务模式明显优于传统的银行住房信贷等业务,有一定市场优势,但较信用卡模式或专业汽车金融公司在便捷度上有一定劣势。且碍于银行内部政策及管理问题,在全国一二线城市铺开时间较晚,失去一定先机。当前需适时进入新领域市场,同时在银行内部管理上投入更多资源,合理制定业务考核要求及研究合适精简流程,确保在该领域长期处于领先地位,引领该行业健康快速发展。
[Abstract]:The automobile consumption market in our country is developing rapidly at present. Among all kinds of cars, the purchase volume and utilization rate of household cars are also gradually increasing, and as the car consumption credit provided to consumers when they buy cars, In order to promote the development of the automobile industry, the automobile finance industry has attracted the attention of the automobile manufacturers, dealers and financial institutions. Since 2009, the automobile consumption credit business has been carried out in Beijing. Through continuous market exploration and adjustment of the business structure, the business model has been copied to nearly 100 first and second tier cities in China, such as Shanghai, Tianjin and so on, becoming the leading financial institution in the banking industry in the current market, but at the same time as the business is developing, The system innovation and efficiency priority of other financial institutions make the leading position of enterprise A worrisome. Based on the comparison of various domestic and foreign auto consumption credit business models, This paper investigates the credit card and other automobile consumption credit models in the domestic market, studies the advantages and disadvantages of the Chinese automobile consumption market, and makes a deep analysis and research on the automobile consumption credit business of enterprise A by means of theoretical SWOT analysis. This paper puts forward the advantages and disadvantages of the automobile consumption credit model in A enterprise and the effect of its implementation after rectification, and obtains the advantages and disadvantages of the model in the current automobile consumption market competitiveness and practice. The research shows that the automobile consumption credit business of the bank entered the Beijing and Shanghai market early, and the business model of this business is obviously superior to the traditional bank housing credit business, such as credit policy, operation process, etc. There is a certain market advantage, but compared to the credit card model or professional auto financing companies in the convenience of a certain disadvantage. And due to internal bank policy and management problems, the first and second tier cities in the country opened later, At present, we need to enter the new market in good time, invest more resources in the internal management of banks, rationally formulate business assessment requirements and study appropriate streamlining processes to ensure that we are in the leading position in this field for a long time. Leading the healthy and rapid development of the industry.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F426.471

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