我国汽车财务公司与汽车金融公司的比较

Research on Automobile Financial Company Comparing with Automobile Finance Company in Our Country Current Phrase

汽车金融服务不仅可以促进汽车制造集团销售,还能成为汽车制造集团的重要利润来源。在我国,汽车制造集团主导的汽车金融服务专业机构有两种形式:一是汽车金融公司;二是汽车财务公司。本文通过对两者的比较,详细阐述了对汽车财务公司现阶段在法律规定的业务范围内存在的优势,并指出汽车金融公司与汽车财务公司的业务在汽车产业价值链上分布的不同。汽车财务公司有很大一部分金融业务集中在汽车生产制造环节,这将阻碍汽车财务公司在汽车金融服务领域的长远发展。我国自主品牌汽车制造集团应当充分重视汽车金融服务在汽车产业中的重要地位,充分认识汽车财务公司模式的优点与不足,正确把握汽车金融服务发展的方向,制定汽车金融服务的发展战略。

Automobile finance services not merely may benefit the sale of motor vehicle, but be one of the profit sources of the automobile Manufacturing enterprises. There are two kinds of specialized organization of automobile finance service dominated by the automobile Manufacturing enterprises ,which one kind is automobile finance company, and another kind is automobile financial company. Regulate on the basis of the statue, automobile financial company has more advantages than automobile finance company in our country current phase by comparison. There are the different distributions in the automobile industry value chain between the two mode companies. Yet for automobile financial company consists of the financial services in production manufacturing segment of the automobile industrial value chain , if we consider it in the long-term development , it will harm to the further development of automobile financial company. The Self- own brand automobile Manufacturing enterprises ought to sufficiently value the significant position that automobile finance service was served the automobile industry. The Self- own brand automobile Manufacturing enterprises must know the advantages and disadvantages of automobile financial company and assure the development orientation of automobile finance service, design the automobile finance service strategy plan.