内部管理要素对我国汽车金融公司经营效率的影响

本文以我国汽车金融公司为样本,实证分析了内部管理要素对其经营效率的影响,指出公司规模、关注竞争公司的行动、独自的融资渠道是影响汽车金融公司经营效率的重要因素。因此,对于中小型汽车金融公司而言,首先,应与以银行为主的金融机构建立长期稳定的合作关系,构建自己的长期稳定融资渠道;其次,紧盯处于行业领先地位的大型汽车金融公司的经营活动,不能落后于行业发展潮流;最后,不断做大规模,在高成长与高收益无法兼顾时,应当以高成长、低收益为首要经营目标。对于大型汽车金融公司而言,要实现进一步的跨越式发展则必须实现两个转变:一是实现以间接融资为主向以直接融资为主的转变;二是实现单一收益渠道向多元化收益渠道的转变。

Taking auto financing companies in China as research samples, this article carries out empirical analysis on the basis of questionnaires to study how internal managerial factors affect a company＇s operating efficiency, and concludes that these important factors include the scale of a company, paying close attention to the moves of its competitors, and whether it has independent financing channels. Therefore, the most important task of small- and medium-sized auto financing companies is to build up stable relationships with financial institutions, mainly banks, to set up long-term financing channels. Sec- ondly, they must fix eyes on the business of large auto financing companies to keep up with the trend of the industry. Fi- nally, they have to expand scales and regard high growth with low profitability as the prior business goal when there are conflicts between high growth and high profitability. In order to realize the great-leap-forward development, large financing companies need to make two changes： one is changing from indirect financing to direct financing; the other is changing from single channel profits to multi-channel profits.