基于波特钻石模型的中国汽车金融产业竞争力分析

Research on Industrial Competitiveness of China's Auto Finance

本文以汽车金融为独立金融产业,在波特钻石模型基础上引入金融竞争力若干指标,对我国汽车金融产业的生产要素、国内需求、支持性产业和相关产业、公司结构、战略和竞争分析进行分析。研究发现我国汽车金融产业竞争力存在复合型汽车金融人才匮乏、资金来源限制多、消费征信制度缺失、汽车信贷产品单一、市场开发不够,产业集中度低等问题。最后从产业政策、法律制度与监督管理三方面提出了汽车金融产业竞争力的提升对策。

The paper takes auto finance as an independent industry, introducing index of financial competitiveness into Porter Diamond Model and analyzing China＇s Auto Finance based on producing elements, domestic demand, supportive and relate industry, structure of company, strategy and competitiveness. It holds that there are problems of lack of compound talents and credit reporting system, limits of capital source, single product, developing market and low industrial concentration. At last, it provides some suggestions about industrial policy, legal system and supervision to enhance industrial comoetitiveness of China＇s auto finance_