关于我国发展汽车金融服务的思考-世界经济专业论文.docxVIP

关于我国发展汽车金融服务的思考Abstract 关于我国发展汽车金融服务的思考 Abstract The autOmObile financial service originates仃Om the installment plan which automdker o妇．ered to usefs in t11e automobile sale around the twenties of the 20th centurV at fjrst．Most e盯lV or鼬nization of automobjle f血aⅡcial service is GMAC set up bV AmericaIl General Motors C帆pany in 1919，GMAC accept or discount account and note reccivable f咖dealer of General Motors specianv．The result is that the sale of automobile illcreases unpfecedentedly because tlle special organization of automobile financial seⅣice separates the capital of the link beMeen automobile mal【iIlg锄d selling．触er this，some big automakers began to set up the fiⅡaIlcial institution to finance fbr tlle dealeIs and the custOmers．The bank began to enter the field Of the autOmobile financial se九，ice too：ttle svstem of the automobile fin锄dal service comes into being progrcssivel y． The automobile financial service is me financial service of rclvjng on aIld promoting development of automobile indus吣L The development of tlle aut呲obile fiⅡancjal service has a history of neafly one huⅡdred years since itls be西nning and its develOpment level has been already quite pe—．ect．The ofganization of automobile 丘nancial ser矿ice includes financial institution such as conHnercial baIlk．credit alliance and tmst com口anv and non-financial institution such as the automobile f抽ancial companV；the mode of the automobile financial seⅣice jncludes installInent payment pay，fmancing lease，rcfinancing aIld tmsting leasc so on．IIl our tilIles，tlle value chain of ttle whole automobile industry has already changed fIlndamentally and tIle financial service has alreadv become 0ne of the nlost valuable links：The competitjon of the fhture automobile market wiU be no lon鼯r a competiti∞of the siIIlple style，but it is the compctition around the f曲aIlcial service．The result of tIle compctition deterInines the patte】fn of the fIltufe automobile market． Tllis anide attempts to discuss the development