基于产业类型的财务公司业务模式比较

Business Mode Comparison of Financial Company Based on Industry Type

本文通过对先进国家财务公司业务模式的比较研究,特别是针对石油化工、汽车、信息通信和电气等四个行业的大型跨国公司附属财务公司的比较研究,发现不同行业的财务公司具有明显的业务模式特征。这种基于产业类型的财务公司的业务拓展模式有别于任何其他金融机构,这对中国企业集团财务公司的发展具有重要借鉴意义。中国的财务公司应在业务准确定位的基础上,拓展和产业相关的业务模式,这样才能在整个金融服务体系中形成自己的竞争优势,并更好地为企业集团的产业发展提供服务。

Through a comparative study on the business modes of financial company in advanced countries, in particular a comparative study on those financial companies subsidiary to large multinational companies in petrochemical, automobile, information communication and electrical industries, this article finds that the financial company of different industries has its own characteristics of business mode. Such financial company based on the type of industry is different in its business developing mode from any other financial institution, and it is significantly useful for the development of Chinese enterprise group based financial companies. In China, the financial company should develop a business mode in relation to its industry on the basis of correctly positioning its services, because only by this way, it is possible for it to form its own competitive advantages in the whole financial service system and provide better services for the industry development of its enterprise group.