汽车金融研究进展及新动向

摘要

汽车金融既是汽车产业的主要赢利方式,也是金融业发展的新途径。本文利用文献研究方法,分别从汽车金融对汽车产业发展的作用机理、汽车金融服务创新模式、汽车金融服务体系建立与优化、自主品牌汽车金融等四个方面对汽车金融的研究进展进行了文献梳理和评述。研究得出了汽车金融是整合厂商、经销商和用户的复杂系统;汽车金融是专业化的创新服务体系;汽车金融存在市场风险等四点结论。而自主品牌汽车金融模式建构和汽车金融信贷信用风险的预测与防范是值得重视的研究方向。%Automobile finance is not only the main profit mean of automobile industry,but also the new way of finance development.The thesis uses the literature research method to review and evaluate the automobile finance,from the four aspects including the influence mechanism of automobile finance on automobile industry development;innovation mode of automobile finance service;establishment and optimization of automobile finance service system;self-brand automobile finance etc.The research conclusions are that the automobile finance is complex system integrating manufacturers,dealers and customers;automobile finance is the special innovation service system;automobile finance has marketing risk and so on.Also the construction of self-brand automobile finance mode and the forecast and prevention of automobile finance credit risk are the future research focus.