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1、 Automobile finance research Abstract: The automobile industry has hundred years history in overseas oneself. The people in carefully examine, savors these 100 year historical time, often saw is the automobile industry magnificent and the wheel nationalitys abundance, but has neglected in this

2、century hundred year, billowing automobile dust behind, some unknown hero - automobile finance service station plays vital role. If did not have at that time “the carapace insect” unsolvable with Germany Volkswagenwerk famous “five Deutsche Mark credits” emerging, does not have today “the unparallel

3、ed in the world” automobile empire and world top level German automobile industry; If does not have the Ford automobile credit company to take the lead the automobile finance service to take the impetus auto sale the release lever, standard and gets down fixedly the automobile finance service with t

4、he corporate system way, and first uses the securitization in the world the way to allow temporary credit class of the continuously fund, also does not have today automobile industry mammoth and the common people lives the convenience to be quick. In a sense, had the automobile finance service, only

5、 then had today automobile industry, today aviation industry and now weather all mechanical manufacturing industries; Also had the automobile finance service, only then had humans radius of action hundred, thousand kilometer level spanning, had the humanity to benefit in the geography space and time

6、 expands the humanities spirit sublimation which, the movement speed enhanced brings. Automobile finance research Must understand truly the automobile industry, must first read the automobile finance; must develop the automobile industry truly, must first develop the automobile finance. Domestic

7、and foreign historical oneself after has made clear this point. China passes for several dozens years to attempt one to leave the automobile finance continuously, the independence develops the automobile industry pathway, the result it can be imagined. Is big until now, realized only then gradually,

8、 the automobile finance is the automobile industry ox muzzle, the automobile finance starts one of important keys which the society expends. Although automobile finance expends in the finance in the overseas society, after has become continues the real estate finance the second big finance, but in

9、 China whether needs to develop also has the very great dispute. In other words, whether does the automobile finance production and develop in a disorderly way may follow? On the one hand I according to Mr. Liu Fuyuan “the national economy space and time theory”, also “national economy development

10、 phase to economical thing and economic phenomena keeping in balance with guiding function” the viewpoint embarks, “deepens and “the consumption pattern has and the change rule” the angle from the finance”, had the development national economy stage space and time characteristic to the automobile fi

11、nance service to carry on the analysis, proposed “the automobile finance was the national economy develops the financial phenomenon which under the specific stage appeared inevitably” and “the consumption pattern operating law decided the automobile finance had the development” and so on the viewpoi

12、nts. On the other hand I attempt through the automobile finance service to macroscopic economical and the microscopic economical function analysis, explained the automobile finance service enhanced the automobile production, the service, the expense domain fund use efficiency, strengthened the fin

13、ancial service superiority, thus further emphasized the automobile finance produces rationality: The automobile finance can adjust in the national economy movement three big contradictory: “Production and expense contradiction”, “turnover of capital contradiction”, “credit (demand) and deposit (su

14、pplies) contradiction”; The automobile finance has “the high value transferability” to the automobile industry, has “the height dependence and the catalytic nature” to the tertiary industry, has “the high placement” to the employment; The automobile finance may play “the maintenance sale system

15、to the automobile manufacturer, the conformity sale strategy, provides the market information the role”; the automobile finance may play to the car dealer “provides goods in stock financing”, “transport business fund allows temporary credit”, “equipment financing” the role; The automobile finance

16、may play to the automobile user “provides the expense credit”, “rents financing”, “service financing”, “the insurance business” the role; In brief, “the automobile finance can consummate socialized, the marketability financial service system”. Under the above analysis premise, I place the resear

17、ch and the writing key point the automobile finance concrete operation flow in several key questions, argues vigorously establishes a relative consummation the structure system. Because at present in domestic, but also does not have one special to discuss with the literature, even is one has the d

18、epth paper, studies the automobile finance question, I only then “l(fā)ook for a needle in a haystack”, seeks some fragmentarily, the dispersible material from the overseas university development facility and in the automobile finance service website. The innovation aspect, belongs in the research are

19、a “runs the horse stable place”, the basically entire structure is new, but also is preliminary. According to “automobile finance historical development - - research system foundation; Automobile finance profit pattern - research system core; Automobile finance credit administration - - research sys

20、tem inner layer; Automobile finance financing mechanism - - research system outer layer: Automobile finance product development - research system surface layer” the order launches; In the research technique, has mainly used “the comparison research” the method, in the Western economic, the finance s

21、tudy, the insurance study, the service management science, the financial engineering, consumer economics domain extensive cultivation and so on the marketing study, compatible and gathers, uses these theories to explain diligently the automobile finance the related question, and has formed some new

22、viewpoints, mainly has “the automobile finance increment profit pattern” in the concrete content, “the credit reimburses ability management”, “the automobile finance multi-dimensional financing structure”, “the automobile finance financial product development”, “the automobile finance product achiev

23、ements marketing” and so on. First, understands the automobile finance “the development history”. Has analyzed the automobile finance service companys general evolution history process and the current several kind of main existence form, including “big automobile manufacture enterprise attached

24、”, “big bank financial group attached”, “independent type”; Has analyzed the automobile finance service company newly “the compound superiority”; Also analyzed “the economical globalization” in the process the automobile finance service to start to appear “the multi-dimensional strategy”, “the deepe

25、ned strategy” and “the hypothesized service” the trend of development. Specially has also analyzed the Chinese automobile finance special development experience and the advantages in this foundation. According to “the modern effective market hypothesis”, has analyzed “the interest rate control” in

26、 the situation, the Chinese automobile money market non-validity, has drawn some basic conclusions: Induces and the start huge individual deposit with the automobile finance service, supports the national economy high speed to grow continually: The automobile finance service is helpful “the automob

27、ile expends the leading” in the establishment the market pattern; The automobile finance service is helpful to the elimination “the automobile demand growth regional characteristic incline” the question; The automobile finance service is helpful in the display uses the Chinese automobile storage qua

28、ntity property. Also to develop the automobile finance service existence “the human vehicle to be contradictory”, “the road vehicle is contradictory” and so on the main restriction factor to carry on the appraisal, proposed specially: The automobile finance can “the creation supplies”, be the scienc

29、e solution above question “the key”. After the understanding automobile finance service historical present situation, has then analyzed the automobile finance service existence “the origin of life” - - the profit pattern. This also is further is proving the automobile finance existence “the ration

30、ality” the question. After the introduction automobile finance profit pattern basic meaning, I divide into it “the basic profit pattern” and “the increment profit pattern” two kinds, and from “service management theory”, “financial service theory” the angle, proved the automobile finance service p

31、rofit pattern “not to be possible to know touches the nature”, “the indivisibility”, “the different principle” and so on the characteristics, proposed “the automobile finance service profit pattern core factor was the customer loyal degree of satisfaction”, “the automobile finance service profit pat

32、tern secondary factor is the automobile finance service transmission quality”. Also to “the market concentration degree”, “the market entered the barrier”, “the market mechanism” and so on the market parameters has carried on the description. I the Western economic “the market analysis” the theory

33、 introduction, will also analyze and obtain “the perfect competitive market to the automobile finance service profit pattern non-serviceability”, “have monopolized the market completely to the automobile finance service profit pattern non-serviceability”, “the monopoly struggled the market mechanism

34、 unexpectedly to the automobile finance service profit pattern serviceability”, “the oligopoly market to the automobile finance service profit pattern serviceability” the conclusion, and has specifically analyzed under each kind of market condition, automobile finance service profit pattern running

35、status. In this part, my another new viewpoint is, proved the automobile finance service to rise in value fully the profit pattern necessity, the concrete method, the fund composition, the investment principle, the investment portfolio. Also introduced I apply the investment bank fundamental resea

36、rch development one kind of typical automobile finance service to raise in value the profit pattern - “to buy the vehicle to manage finances the profit pattern”. If the automobile finance service profit pattern is a core, then the credit administration is controls this pattern the key. After inspe

37、cts “the credit theory”, “the consumer credit theory” these theory origin, has emphatically analyzed the automobile finance service credit system function and the automobile finance service credit system specific connotation and the category, emphasized the key point is eliminates the automobile fin

38、ance the information dissymmetry, according to credit rank decision financing quantity and deadline. Also “paid (deposit) to self-to restrain the mechanism”, “the joint and several liability mechanism”, “the credit system mechanism” and so on the automobile finance service credit operations machine

39、has manufactured the description, has established the measure automobile finance service individual loan risk and the automobile finance reimburses ability management the essential method, and established the automobile finance service credit system on our country to propose the countermeasure. Th

40、e automobile finance service financing structure plays is gathering accepts the fund the role, is the support, the guarantee automobile finance profit pattern display function “the power” .It both automobile finance profit pattern control, and reaction in automobile finance profit pattern, therefore

41、, met down has conducted the research to it. The automobile finance service company finances the structure rationale to have “the financial capital to say”, “the banking capital circulation said”, and “the transaction expense said”. The automobile finance service financing history process has experi

42、enced “endogen financing”, “extraneous source financing” and “highly effective in extraneous source financing”. Has analyzed the automobile finance service companys financing structural model and the automobile finance service company best financing structure function, as well as the influence autom

43、obile finance Service Company finances the structure primary factor. Also with emphasis introduced the automobile finance service companys several kind of main financing form, specially introduced in the automobile finance credit property securitization financing form, in the automobile finance serv

44、ice intangible asset capitalization financing strategy, in the automobile finance service special permission management financing strategy, in the automobile finance service project financing strategy, the automobile finance service level border financing strategy. The automobile finance service p

45、roduct development sells the camp is the entire system final link, it realizes the automobile finance profit pattern tool, is the automobile finance credit administration carrier, is the automobile finance financing mechanism operation goal. The automobile finance service product makes a general r

46、eference thought the automobile transaction and the use allows temporary credit the financial structure which the fund carries on (quantity, deadline, cost and so on), the financial strategy design and the corresponding legal contract arrangement, is each kind of question solution which in the reali

47、ty the automobile finance service station faces, including encompassment price optimization aspect automobile finance product; Encompassment circumvention sale policy, system development automobile finance product: Revolves the automobile expends in the process to have service link convenience, effi

48、cient and indemnificatory development automobile finance product. The automobile finance service product characteristic by took the general use commodity the automobile and decided as the financial service contractual relationship two big factors: Has “compound”, “the accuracy”, “the risk”, “the con

49、tinuous nature”, “the selectivity” and so on; The automobile finance product design is in the finance study is most difficult one of richest challenging topics. It is the automobile finance analysis inverse problem. Automobile finance product design general flow, including “goal design”, “structur

50、al design”, “product fixed price”, “risk income characteristic analysis”, “product standardization”. The automobile finance product benefit appraised the method includes: “Profit margin discount law”, “information feedback law”. The automobile finance product development innovation is the China mo

51、netary system reform intrinsic request, the interest rate marketability, is develops the Chinese automobile finance product core and the key. Had the automobile finance service product, but also must open “the direct marketing channel”, “the straight multiple marketing channel”, “on the net the ma

52、rketing”, carries on “the potency to the automobile finance product sale personnel to drive”, and to “the potency drove” has carried on the model description. The analysis opens the Chinese automobile finance service market existence “the merger and acquisition conformity”, “the market reorganizat

53、ion” and so on the tendencies, proposed carries out Chinese Silver Jail to meet the spirit, the perfect automobile finance service company governs the structure, the use “the independent pattern”, “the union pattern”, “the Chinese-foreign joint venture pattern”, establishes the Chinese specialized a

54、utomobile finance service organization, impels the automobile finance service industry moderately to grow in advance, promotes our country automobile industry, the financial service industry overall competitive power. 文獻(xiàn)來源： 汽車金融研究 摘要： 汽車工業(yè)在國外己有百年歷史。人們在審視、品味這一百年歷史的時候，往往看到的是汽車工業(yè)的輝煌和車輪民族的富足，而

55、忽視了在這世紀(jì)百年、滾滾車塵的背后，有一個無名英雄——汽車金融服務(wù)所起到的重要作用。如果沒有當(dāng)時“甲殼蟲”的滯銷和德國大眾汽車公司著名的“五馬克信貸”的出籠，就沒有今天“天下無雙”的汽車帝國和世界頂級水平的德國汽車產(chǎn)業(yè);如果沒有福特汽車信貸公司率先將汽車金融服務(wù)作為推動汽車銷售的杠桿，將汽車金融服務(wù)用公司制的方式規(guī)范和固定下來，并在世界上第一個采用證券化的方式融通源源不斷的資金之流，也就沒有今天汽車工業(yè)的波瀾壯闊和百姓生活便利快捷。從某種意義上講，正是有了汽車金融服務(wù)，才有了今天的汽車工業(yè)，今天的航空工業(yè)和今天兒乎所有的機(jī)械制造業(yè);也正是有了汽車金融服務(wù)，才有了人的活動半徑的百、千公里級的跨越

56、，有了人類得益于地理時空擴(kuò)大、運(yùn)動速率提高所帶來的人文精神的升華。 汽車金融研究 要真正理解汽車工業(yè)，必須首先讀懂汽車金融;要真正發(fā)展汽車工業(yè)，必須首先發(fā)展汽車金融。國內(nèi)外的歷史己經(jīng)昭示了這一點(diǎn)。中國過去幾十年一直在試圖走一條離開汽車金融，獨(dú)立發(fā)展汽車工業(yè)的路子，結(jié)果可想而知。直到今大，才逐漸認(rèn)識到，汽車金融是汽車工業(yè)的牛鼻子，汽車金融是啟動社會消費(fèi)的重要鑰匙之一。 雖然汽車金融在國外社會消費(fèi)金融中，已成為繼房地產(chǎn)金融之后的第二大金融，但在中國是否需要發(fā)展還有很大的爭議。也就是說，汽車金融的產(chǎn)生與發(fā)展是否有規(guī)律可循? 一方面我根據(jù)劉福垣先生的“國民經(jīng)濟(jì)時空理論”，既“國民經(jīng)濟(jì)發(fā)展

57、階段對經(jīng)濟(jì)事物和經(jīng)濟(jì)現(xiàn)象的制衡與導(dǎo)引作用”的觀點(diǎn)出發(fā)，從“金融深化”和“消費(fèi)結(jié)構(gòu)產(chǎn)生及變化規(guī)律”的角度，對汽車金融服務(wù)產(chǎn)生發(fā)展的國民經(jīng)濟(jì)階段時空特征進(jìn)行了分析，提出了“汽車金融是國民經(jīng)濟(jì)發(fā)展到特定階段下必然出現(xiàn)的金融現(xiàn)象”和“消費(fèi)結(jié)構(gòu)運(yùn)行規(guī)律決定汽車金融產(chǎn)生發(fā)展”等觀點(diǎn)。 另一方面我試圖通過汽車金融服務(wù)對宏觀經(jīng)濟(jì)和微觀經(jīng)濟(jì)的作用分析，說明汽車金融服務(wù)提高了汽車生產(chǎn)、服務(wù)、消費(fèi)領(lǐng)域的資金使用效率，增強(qiáng)了金融服務(wù)的優(yōu)勢，從而進(jìn)一步強(qiáng)調(diào)汽車金融產(chǎn)生的合理性： 汽車金融能夠調(diào)節(jié)國民經(jīng)濟(jì)運(yùn)行中三大矛盾：“生產(chǎn)與消費(fèi)的矛盾”、“資金周轉(zhuǎn)的矛盾”、“信貸(需求)和儲蓄(供給)的矛盾”； 汽車金融

58、對汽車產(chǎn)業(yè)有“高價值轉(zhuǎn)移性”，對第三產(chǎn)業(yè)有“高度關(guān)聯(lián)和帶動性”，對就業(yè)有“高安置性”； 汽車金融對汽車廠商可以起到“維護(hù)銷售體系、整合銷售策略、提供市場信息的作用”；汽車金融對汽車經(jīng)銷商可以起到“提供存貨融資”、“營運(yùn)資金融通”、“設(shè)備融資”的作用； 汽車金融對汽車用戶可以起到“提供消費(fèi)信貸”、“租賃融資”、“維修融資”、“保險業(yè)務(wù)”的作用； 總之，“汽車金融能夠完善社會化、市場化的金融服務(wù)體系”。 在上述分析前提下，我把研究和寫作的重點(diǎn)放在汽車金融具體運(yùn)作流程的幾個關(guān)鍵問題上，力爭建立一個相對完善的結(jié)構(gòu)體系。 由于目前在國內(nèi)，還沒有一本專門的論著與文獻(xiàn)，甚至是一篇較有深度

59、的論文，來研究汽車金融問題，我只有“大海撈針”，從國外大學(xué)研究機(jī)構(gòu)和汽車金融服務(wù)網(wǎng)站上尋找一些零星、分散的資料。 創(chuàng)新方面，在研究領(lǐng)域上屬于“跑馬圈地”，基本上整個結(jié)構(gòu)是新的，但也是初步的。按照“汽車金融的歷史發(fā)展——研究體系的基礎(chǔ)；汽車金融的贏利模式—研究體系的核心；汽車金融的信用管理——研究體系的內(nèi)層；汽車金融的融資機(jī)制——研究體系的外層：汽車金融的產(chǎn)品開發(fā)—研究體系的表層”的順序展開;在研究方法上，主要采用了“比較研究”的方法，在西方經(jīng)濟(jì)學(xué)、金融學(xué)、保險學(xué)、服務(wù)管理學(xué)、金融工程學(xué)、營銷學(xué)、消費(fèi)經(jīng)濟(jì)學(xué)等領(lǐng)域廣種薄收，兼容并蓄，努力用這些理論去說明汽車金融的相關(guān)問題，并形成了一些新的觀點(diǎn)

60、，在具體內(nèi)容上主要有“汽車金融增值贏利模式”、“信用償付能力管理”、“汽車金融的多元融資結(jié)構(gòu)”、“汽車金融的金融產(chǎn)品開發(fā)”、“汽車金融產(chǎn)品的績效營銷”等。 首先，了解一下汽車金融的“發(fā)展歷史”。 分析了汽車金融服務(wù)公司的一般演變歷史過程和當(dāng)前幾種主要存在形式，包括“大汽車制造企業(yè)附屬型”、“大銀行財團(tuán)附屬型”、“獨(dú)立型”；分析了汽車金融服務(wù)公司新的“復(fù)合優(yōu)勢”；還分析了“經(jīng)濟(jì)全球化”過程中汽車金融服務(wù)開始出現(xiàn)的“多元戰(zhàn)略”、“深化戰(zhàn)略”和“虛擬服務(wù)”發(fā)展趨勢。 在此基礎(chǔ)上還專門分析了中國汽車金融的特殊發(fā)展經(jīng)歷及利弊。按照“現(xiàn)代有效市場假說”，分析了“利率管制”情況下，中國汽車金融市

61、場的非有效性，得出了一些基本結(jié)論：用汽車金融服務(wù)來誘導(dǎo)和啟動龐大的個人儲蓄，支持國民經(jīng)濟(jì)的較高速持續(xù)增長：汽車金融服務(wù)有助于建立“汽車消費(fèi)主導(dǎo)型”的市場格局;汽車金融服務(wù)有助于消除“汽車需求增長區(qū)域性傾斜”問題；汽車金融服務(wù)有助于發(fā)揮用好中國汽車存量資產(chǎn)。還對發(fā)展汽車金融服務(wù)存在的“人車矛盾”、“路車矛盾”等主要制約因素進(jìn)行了評價，特別提出:汽車金融能夠“創(chuàng)造供給”，是科學(xué)解決上述問題的“鑰匙”。 在了解汽車金融服務(wù)的歷史現(xiàn)狀后，接著分析了汽車金融服務(wù)存在的“生命之源”——贏利模式。這也是在進(jìn)一步論證汽車金融存在的“合理性”問題。 在介紹汽車金融贏利模式基本含義后，我將其分為“基本贏利

62、模式”和“增值贏利模式”兩種，并從“服務(wù)管理理論”、“金融服務(wù)理論”的角度，論證了汽車金融服務(wù)贏利模式的“不可知觸性”、“不可分性”、“差異性原理”等特點(diǎn)，提出了“汽車金融服務(wù)贏利模式的核心因素是顧客忠誠滿意度”，“汽車金融服務(wù)贏利模式的次級因素是汽車金融服務(wù)的傳遞質(zhì)量”。還對“市場集中度”、“市場進(jìn)入壁壘”、“市場結(jié)構(gòu)”等市場參數(shù)進(jìn)行了描述。 我還將西方經(jīng)濟(jì)學(xué)“市場分析”理論引入，分析并得出了“完全競爭市場對汽車金融服務(wù)贏利模式的非適用性”、“完全壟斷市場對汽車金融服務(wù)贏利模式的非適用性”、“壟斷竟?fàn)幨袌鼋Y(jié)構(gòu)對汽車金融服務(wù)贏利模式的適用性”、“寡頭壟斷市場對汽車金融服務(wù)贏利模式的適用性”

63、的結(jié)論，并具體分析了每一種市場條件下，汽車金融服務(wù)贏利模式的運(yùn)行狀態(tài)。 在這一部分，我的另一個新的觀點(diǎn)是，較充分地論證了汽車金融服務(wù)增值型贏利模式的必要性、具體方法、資金組成、投資原則、投資組合。還介紹了我應(yīng)用投資銀行理論研究開發(fā)的一種典型的汽車金融服務(wù)增值型贏利模式—“購車?yán)碡斃麧櫮Ｊ健薄? 如果說汽車金融服務(wù)的贏利模式是核心，那么信用管理是駕馭這一模式的關(guān)鍵。在考察“信用理論”、“消費(fèi)信用理論”這些理論來源后，著重分析了汽車金融服務(wù)信用體系的功能與汽車金融服務(wù)信用體系的特定內(nèi)涵與范疇，強(qiáng)調(diào)重點(diǎn)是消除汽車金融的信息不對稱性，按照信用等級決定融資數(shù)量與期限。還對“自我首付(儲蓄)約束機(jī)制

64、”、“連帶責(zé)任機(jī)制”、“信用制度機(jī)制”等汽車金融服務(wù)信用運(yùn)作機(jī)制作了描述，建立了度量汽車金融服務(wù)個體貸款風(fēng)險和汽車金融償付能力管理的基本方法，并就我國建立汽車金融服務(wù)信用制度提出了對策。 汽車金融服務(wù)融資結(jié)構(gòu)起著聚納資金的作用，是支撐、保證汽車金融贏利模式發(fā)揮作用的“動力”。它既受汽車金融贏利模式的支配，又反作用于汽車金融贏利模式，因此，接下來對它進(jìn)行了研究。汽車金融服務(wù)公司融資結(jié)構(gòu)的理論基礎(chǔ)有“金融資本說”、“銀行資本循環(huán)說”、“交易費(fèi)用說”。汽車金融服務(wù)的融資歷史過程經(jīng)歷了“內(nèi)源融資”、“外源融資”和“高效內(nèi)外源融資”。分析了汽車金融服務(wù)公司的融資結(jié)構(gòu)模型和汽車金融服務(wù)公司最佳融資結(jié)構(gòu)

65、的作用，以及影響汽車金融服務(wù)公司融資結(jié)構(gòu)的主要因素。還重點(diǎn)介紹了汽車金融服務(wù)公司的幾種主要融資形式，特別介紹了汽車金融信貸資產(chǎn)證券化的融資形式、汽車金融服務(wù)中的無形資產(chǎn)資本化融資戰(zhàn)略、汽車金融服務(wù)中的特許經(jīng)營融資戰(zhàn)略、汽車金融服務(wù)中的項目融資戰(zhàn)略、汽車金融服務(wù)中的層際融資戰(zhàn)略。 汽車金融服務(wù)產(chǎn)品的開發(fā)銷營是整個體系的最后環(huán)節(jié)，它是實現(xiàn)汽車金融贏利模式的工具，是汽車金融信用管理的載體，是汽車金融融資機(jī)制的運(yùn)作目標(biāo)。 汽車金融服務(wù)產(chǎn)品泛指以為汽車交易及使用融通資金所進(jìn)行的金融結(jié)構(gòu)(數(shù)量、期限、成本等)、金融策略設(shè)計及相應(yīng)的法律契約安排，是現(xiàn)實中汽車金融服務(wù)所面臨的各種問題的解，包括圍繞價格

66、最優(yōu)化方面的汽車金融產(chǎn)品；圍繞規(guī)避銷售政策、制度開發(fā)的汽車金融產(chǎn)品：圍繞汽車消費(fèi)過程中的所必須的服務(wù)環(huán)節(jié)的便利性、經(jīng)濟(jì)性和保障性開發(fā)的汽車金融產(chǎn)品。汽車金融服務(wù)產(chǎn)品的特點(diǎn)由作為一般使用商品的汽車和作為金融服務(wù)的契約關(guān)系兩大因素來決定:有“復(fù)合性”、“精密性”、“風(fēng)險性”、“延續(xù)性”、“選擇性”等； 汽車金融產(chǎn)品設(shè)計是金融學(xué)中最難最富挑戰(zhàn)性的課題之一。它是汽車金融分析的逆問題。汽車金融產(chǎn)品設(shè)計的一般流程，包括“目標(biāo)設(shè)計”、“結(jié)構(gòu)設(shè)計”、“產(chǎn)品定價”、“風(fēng)險收益特性分析”、“產(chǎn)品標(biāo)準(zhǔn)化”。汽車金融產(chǎn)品的效益評估方法有：“利潤率貼現(xiàn)法”、“信息反饋法”。 汽車金融產(chǎn)品開發(fā)創(chuàng)新是中國金融體制改革的內(nèi)在要求，利率市場化，是發(fā)展中國汽車金融產(chǎn)品的核心與關(guān)鍵。 有了汽車金融服務(wù)產(chǎn)品，還必須開辟“直接營銷渠道”、“直復(fù)式營銷渠道”、“網(wǎng)上營銷”，對汽車金融產(chǎn)品銷售人員進(jìn)行“效能激勵”，并對“效能激勵”進(jìn)行了模型描述。 分析開放中中國汽車金融服務(wù)市場的存在的“并購整合”、“市場重