汽車(chē)專(zhuān)業(yè)外文翻譯----汽車(chē)金融研究

1、<p>　　Automobile finance research</p><p>　　Abstract: </p><p>　　The automobile industry has hundred years history in overseas oneself. The people in carefully examine, savors these 100 year

2、historical time, often saw is the automobile industry magnificent and the wheel nationality's abundance, but has neglected in this century hundred year, billowing automobile dust behind, some unknown hero - automobil

3、e finance service station plays vital role. If did not have at that time “the carapace insect” unsolvable with Germany Volkswagenwerk famous “five Deutsche Ma</p><p>　　Automobile finance research</p>

4、<p>　　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 and foreign historical one

5、self 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 ima

6、gined. Is big until now, realized only then gradually, the automobile f</p><p>　　Although automobile finance expends in the finance in the overseas society, after has become continues the real estate finance

7、 the second big finance, but in 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? </p><p

8、>　　On the one hand I according to Mr. Liu Fuyuan “the national economy space and time theory”, also “national economy development phase to economical thing and economic phenomena keeping in balance with guiding functi

9、on” 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 finance se

10、rvice to carry on the analysis, proposed “the automobile finance w</p><p>　　On the other hand I attempt through the automobile finance service to macroscopic economical and the microscopic economical functio

11、n analysis, explained the automobile finance service enhanced the automobile production, the service, the expense domain fund use efficiency, strengthened the financial service superiority, thus further emphasized the au

12、tomobile finance produces rationality: </p><p>　　The automobile finance can adjust in the national economy movement three big contradictory: “Production and expense contradiction”, “turnover of capital contr

13、adiction”, “credit (demand) and deposit (supplies) contradiction”; </p><p>　　The automobile finance has “the high value transferability” to the automobile industry, has “the height dependence and the catalyt

14、ic nature” to the tertiary industry, has “the high placement” to the employment; </p><p>　　The automobile finance may play “the maintenance sale system to the automobile manufacturer, the conformity sale str

15、ategy, 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;

16、</p><p>　　The automobile finance may play to the automobile user “provides the expense credit”, “rents financing”, “service financing”, “the insurance business” the role; </p><p>　　In brief, “th

17、e automobile finance can consummate socialized, the marketability financial service system”. </p><p>　　Under the above analysis premise, I place the research and the writing key point the automobile finance

18、concrete operation flow in several key questions, argues vigorously establishes a relative consummation the structure system. </p><p>　　Because at present in domestic, but also does not have one special to d

19、iscuss with the literature, even is one has the depth 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 un

20、iversity development facility and in the automobile finance service website. </p><p>　　The innovation aspect, belongs in the research area “runs the horse stable place”, the basically entire structure is new

21、, but also is preliminary. According to “automobile finance historical development - - research system foundation; Automobile finance profit pattern - research system core; Automobile finance credit administration - - re

22、search system inner layer; Automobile finance financing mechanism - - research system outer layer: Automobile finance product development - research system surf</p><p>　　First, understands the automobile fin

23、ance “the development history”. </p><p>　　Has analyzed the automobile finance service company's general evolution history process and the current several kind of main existence form, including “big autom

24、obile manufacture enterprise attached”, “big bank financial group attached”, “independent type”; Has analyzed the automobile finance service company newly “the compound superiority”; Also analyzed “the economical globali

25、zation” in the process the automobile finance service to start to appear “the multi-dimensional strategy”, “the deepene</p><p>　　Specially has also analyzed the Chinese automobile finance special development

26、 experience and the advantages in this foundation. According to “the modern effective market hypothesis”, has analyzed “the interest rate control” in the situation, the Chinese automobile money market non-validity, has d

27、rawn some basic conclusions: Induces and the start huge individual deposit with the</p><p>　　automobile finance service, supports the national economy high speed to grow continually: The automobile finance s

28、ervice is helpful “the automobile 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”

29、the question; The automobile finance service is helpful in the display uses the Chinese automobile storage quantity property. Also to develop the automobile finance s</p><p>　　After the understanding automob

30、ile 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 “

31、the rationality” the question. </p><p>　　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

32、from “service management theory”, “financial service theory” the angle, proved the automobile finance service profit pattern “not to be possible to know touches the nature”, “the indivisibility”, “the different principle

33、” and so on the characteristics, proposed “the automobile finance service profit pattern core factor was the custo</p><p>　　I the Western economic “the market analysis” the theory introduction, will also ana

34、lyze 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-serviceab

35、ility”, “the monopoly struggled the market mechanism unexpectedly to the automobile finance service profit pattern serviceability”, “the oligopoly market to the automobile finance service profit pa</p><p>　　

36、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 po

37、rtfolio. Also introduced I apply the investment bank fundamental research development one kind of typical automobile finance service to raise in value the profit pattern - “to buy the vehicle to manage finances the profi

38、t pattern”. </p><p>　　If the automobile finance service profit pattern is a core, then the credit administration is controls this pattern the key. After inspects “the credit theory”, “the consumer credit the

39、ory” 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 i

40、s eliminates the automobile finance the information dissymmetry, according to credit rank decis</p><p>　　The automobile finance service financing structure plays is gathering accepts the fund the role, is th

41、e 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, met down has condu

42、cted 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”, a</p><p>　　The automobile fina

43、nce service product 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 f

44、inancing mechanism operation goal. </p><p>　　The automobile finance service product makes a general reference thought the automobile transaction and the use allows temporary credit the financial structure wh

45、ich 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 reality the automobile finance

46、service station faces, including encompassment price optimization aspect automobile finance product; Encompassment cir</p><p>　　The automobile finance product design is in the finance study is most difficult

47、 one of richest challenging topics. It is the automobile finance analysis inverse problem. Automobile finance product design general flow, including “goal design”, “structural design”, “product fixed price”, “risk income

48、 characteristic analysis”, “product standardization”. The automobile finance product benefit appraised the method includes: “Profit margin discount law”, “information feedback law”. </p><p>　　The automobile

49、finance product development innovation is the China monetary system reform intrinsic request, the interest rate marketability, is develops the Chinese automobile finance product core and the key. </p><p>　　H

50、ad the automobile finance service product, but also must open “the direct marketing channel”, “the straight multiple marketing channel”, “on the net the marketing”, carries on “the potency to the automobile finance produ

51、ct sale personnel to drive”, and to “the potency drove” has carried on the model description. </p><p>　　The analysis opens the Chinese automobile finance service market existence “the merger and acquisition

52、conformity”, “the market reorganization” 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 independe

53、nt pattern”, “the union pattern”, “the Chinese-foreign joint venture pattern”, establishes the Chinese specialized automobile finance service organization, impels the automobile</p><p>　　文獻(xiàn)來(lái)源：http://www.1b11

54、1.com/Article/Automotive/index.html</p><p><b>　　汽車(chē)金融研究</b></p><p><b>　　摘要：</b></p><p>　　汽車(chē)工業(yè)在國(guó)外己有百年歷史。人們?cè)趯徱?、品味這一百年歷史的時(shí)候，往往看到的是汽車(chē)工業(yè)的輝煌和車(chē)輪民族的富足，而忽視了在這世紀(jì)百年、滾滾車(chē)塵

55、的背后，有一個(gè)無(wú)名英雄——汽車(chē)金融服務(wù)所起到的重要作用。如果沒(méi)有當(dāng)時(shí)“甲殼蟲(chóng)”的滯銷(xiāo)和德國(guó)大眾汽車(chē)公司著名的“五馬克信貸”的出籠，就沒(méi)有今天“天下無(wú)雙”的汽車(chē)帝國(guó)和世界頂級(jí)水平的德國(guó)汽車(chē)產(chǎn)業(yè);如果沒(méi)有福特汽車(chē)信貸公司率先將汽車(chē)金融服務(wù)作為推動(dòng)汽車(chē)銷(xiāo)售的杠桿，將汽車(chē)金融服務(wù)用公司制的方式規(guī)范和固定下來(lái)，并在世界上第一個(gè)采用證券化的方式融通源源不斷的資金之流，也就沒(méi)有今天汽車(chē)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(chē)金融

56、服務(wù)，才有了今天的汽車(chē)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(chē)金融服務(wù)，才有了人的活動(dòng)半徑的百、千公里級(jí)的跨越，有了人類(lèi)得益于地理時(shí)空擴(kuò)大、運(yùn)動(dòng)速率提高所帶來(lái)的人文精神的升華。 </p><p><b>　　汽車(chē)金融研究</b></p><p>　　要真正理解汽車(chē)工業(yè)，必須首先讀懂汽車(chē)金融;要真正發(fā)展汽車(chē)工業(yè)，必須首先發(fā)展汽車(chē)金融。國(guó)內(nèi)外的歷史己

57、經(jīng)昭示了這一點(diǎn)。中國(guó)過(guò)去幾十年一直在試圖走一條離開(kāi)汽車(chē)金融，獨(dú)立發(fā)展汽車(chē)工業(yè)的路子，結(jié)果可想而知。直到今大，才逐漸認(rèn)識(shí)到，汽車(chē)金融是汽車(chē)工業(yè)的牛鼻子，汽車(chē)金融是啟動(dòng)社會(huì)消費(fèi)的重要鑰匙之一。 </p><p>　　雖然汽車(chē)金融在國(guó)外社會(huì)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(guó)是否需要發(fā)展還有很大的爭(zhēng)議。也就是說(shuō)，汽車(chē)金融的產(chǎn)生與發(fā)展是否有規(guī)律可循? </p><p>　　一方

58、面我根據(jù)劉福垣先生的“國(guó)民經(jīng)濟(jì)時(shí)空理論”，既“國(guó)民經(jīng)濟(jì)發(fā)展階段對(duì)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(duì)汽車(chē)金融服務(wù)產(chǎn)生發(fā)展的國(guó)民經(jīng)濟(jì)階段時(shí)空特征進(jìn)行了分析，提出了“汽車(chē)金融是國(guó)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(chē)金融產(chǎn)生發(fā)展”等觀點(diǎn)。 </p><p>　　另一方面我試圖通過(guò)汽車(chē)金融服務(wù)對(duì)宏觀經(jīng)濟(jì)和微觀經(jīng)濟(jì)的作用分析，

59、說(shuō)明汽車(chē)金融服務(wù)提高了汽車(chē)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(shì)，從而進(jìn)一步強(qiáng)調(diào)汽車(chē)金融產(chǎn)生的合理性： </p><p>　　汽車(chē)金融能夠調(diào)節(jié)國(guó)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(chǔ)蓄(供給)的矛盾”； </p><p>　　汽車(chē)金融對(duì)汽車(chē)產(chǎn)業(yè)有“高價(jià)值轉(zhuǎn)移性”，對(duì)第三產(chǎn)業(yè)有“高度關(guān)聯(lián)和帶動(dòng)性”，對(duì)就業(yè)有“高安置性”； <

60、/p><p>　　汽車(chē)金融對(duì)汽車(chē)廠商可以起到“維護(hù)銷(xiāo)售體系、整合銷(xiāo)售策略、提供市場(chǎng)信息的作用”；汽車(chē)金融對(duì)汽車(chē)經(jīng)銷(xiāo)商可以起到“提供存貨融資”、“營(yíng)運(yùn)資金融通”、“設(shè)備融資”的作用； </p><p>　　汽車(chē)金融對(duì)汽車(chē)用戶(hù)可以起到“提供消費(fèi)信貸”、“租賃融資”、“維修融資”、“保險(xiǎn)業(yè)務(wù)”的作用； </p><p>　　總之，“汽車(chē)金融能夠完善社會(huì)化、市場(chǎng)化的金融服務(wù)體系

61、”。 </p><p>　　在上述分析前提下，我把研究和寫(xiě)作的重點(diǎn)放在汽車(chē)金融具體運(yùn)作流程的幾個(gè)關(guān)鍵問(wèn)題上，力爭(zhēng)建立一個(gè)相對(duì)完善的結(jié)構(gòu)體系。 </p><p>　　由于目前在國(guó)內(nèi)，還沒(méi)有一本專(zhuān)門(mén)的論著與文獻(xiàn)，甚至是一篇較有深度的論文，來(lái)研究汽車(chē)金融問(wèn)題，我只有“大海撈針”，從國(guó)外大學(xué)研究機(jī)構(gòu)和汽車(chē)金融服務(wù)網(wǎng)站上尋找一些零星、分散的資料。 </p><p>　　創(chuàng)新方

62、面，在研究領(lǐng)域上屬于“跑馬圈地”，基本上整個(gè)結(jié)構(gòu)是新的，但也是初步的。按照“汽車(chē)金融的歷史發(fā)展——研究體系的基礎(chǔ)；汽車(chē)金融的贏利模式—研究體系的核心；汽車(chē)金融的信用管理——研究體系的內(nèi)層；汽車(chē)金融的融資機(jī)制——研究體系的外層：汽車(chē)金融的產(chǎn)品開(kāi)發(fā)—研究體系的表層”的順序展開(kāi);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(xiǎn)學(xué)、服務(wù)管理學(xué)、金融工程學(xué)、營(yíng)銷(xiāo)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(shuō)明汽車(chē)

63、金融的相關(guān)問(wèn)題，并形成了一些新的觀點(diǎn)，在具體內(nèi)容上主要有“汽車(chē)金融增值贏利模式”、“信用償付能力管理”、“汽車(chē)金融的多元融資結(jié)構(gòu)”、“汽車(chē)金融的金融產(chǎn)品開(kāi)發(fā)”、“汽車(chē)金融產(chǎn)品的績(jī)效營(yíng)銷(xiāo)”等。 </p><p>　　首先，了解一下汽車(chē)金融的“發(fā)展歷史”。 </p><p>　　分析了汽車(chē)金融服務(wù)公司的一般演變歷史過(guò)程和當(dāng)前幾種主要存在形式，包括“大汽車(chē)制造企業(yè)附屬型”、“大銀行財(cái)團(tuán)附屬型”、

64、“獨(dú)立型”；分析了汽車(chē)金融服務(wù)公司新的“復(fù)合優(yōu)勢(shì)”；還分析了“經(jīng)濟(jì)全球化”過(guò)程中汽車(chē)金融服務(wù)開(kāi)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(shì)。 </p><p>　　在此基礎(chǔ)上還專(zhuān)門(mén)分析了中國(guó)汽車(chē)金融的特殊發(fā)展經(jīng)歷及利弊。按照“現(xiàn)代有效市場(chǎng)假說(shuō)”，分析了“利率管制”情況下，中國(guó)汽車(chē)金融市場(chǎng)的非有效性，得出了一些基本結(jié)論：用汽車(chē)金融服務(wù)來(lái)誘導(dǎo)和啟動(dòng)龐大的個(gè)人儲(chǔ)蓄，支持國(guó)民經(jīng)濟(jì)的較高速持續(xù)增長(zhǎng)：汽車(chē)金融服務(wù)

65、有助于建立“汽車(chē)消費(fèi)主導(dǎo)型”的市場(chǎng)格局;汽車(chē)金融服務(wù)有助于消除“汽車(chē)需求增長(zhǎng)區(qū)域性?xún)A斜”問(wèn)題；汽車(chē)金融服務(wù)有助于發(fā)揮用好中國(guó)汽車(chē)存量資產(chǎn)。還對(duì)發(fā)展汽車(chē)金融服務(wù)存在的“人車(chē)矛盾”、“路車(chē)矛盾”等主要制約因素進(jìn)行了評(píng)價(jià)，特別提出:汽車(chē)金融能夠“創(chuàng)造供給”，是科學(xué)解決上述問(wèn)題的“鑰匙”。 </p><p>　　在了解汽車(chē)金融服務(wù)的歷史現(xiàn)狀后，接著分析了汽車(chē)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(chē)金

66、融存在的“合理性”問(wèn)題。 </p><p>　　在介紹汽車(chē)金融贏利模式基本含義后，我將其分為“基本贏利模式”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(chē)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(chē)金融服務(wù)贏利模式的核心因素是顧客忠誠(chéng)滿(mǎn)意度”，“汽車(chē)金融服務(wù)贏利模式的次級(jí)因素是汽車(chē)金融服務(wù)的傳遞質(zhì)量”。還對(duì)“市場(chǎng)集中度”、“市場(chǎng)進(jìn)入壁壘”、“

67、市場(chǎng)結(jié)構(gòu)”等市場(chǎng)參數(shù)進(jìn)行了描述。 </p><p>　　我還將西方經(jīng)濟(jì)學(xué)“市場(chǎng)分析”理論引入，分析并得出了“完全競(jìng)爭(zhēng)市場(chǎng)對(duì)汽車(chē)金融服務(wù)贏利模式的非適用性”、“完全壟斷市場(chǎng)對(duì)汽車(chē)金融服務(wù)贏利模式的非適用性”、“壟斷竟?fàn)幨袌?chǎng)結(jié)構(gòu)對(duì)汽車(chē)金融服務(wù)贏利模式的適用性”、“寡頭壟斷市場(chǎng)對(duì)汽車(chē)金融服務(wù)贏利模式的適用性”的結(jié)論，并具體分析了每一種市場(chǎng)條件下，汽車(chē)金融服務(wù)贏利模式的運(yùn)行狀態(tài)。 </p><p>

68、;　　在這一部分，我的另一個(gè)新的觀點(diǎn)是，較充分地論證了汽車(chē)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(kāi)發(fā)的一種典型的汽車(chē)金融服務(wù)增值型贏利模式—“購(gòu)車(chē)?yán)碡?cái)利潤(rùn)模式”。 </p><p>　　如果說(shuō)汽車(chē)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(lái)源后，著重分析了汽車(chē)金融服務(wù)信用體系的功能與汽車(chē)金

69、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(chē)金融的信息不對(duì)稱(chēng)性，按照信用等級(jí)決定融資數(shù)量與期限。還對(duì)“自我首付(儲(chǔ)蓄)約束機(jī)制”、“連帶責(zé)任機(jī)制”、“信用制度機(jī)制”等汽車(chē)金融服務(wù)信用運(yùn)作機(jī)制作了描述，建立了度量汽車(chē)金融服務(wù)個(gè)體貸款風(fēng)險(xiǎn)和汽車(chē)金融償付能力管理的基本方法，并就我國(guó)建立汽車(chē)金融服務(wù)信用制度提出了對(duì)策。 </p><p>　　汽車(chē)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(chē)金融贏利模式發(fā)揮作

70、用的“動(dòng)力”。它既受汽車(chē)金融贏利模式的支配，又反作用于汽車(chē)金融贏利模式，因此，接下來(lái)對(duì)它進(jìn)行了研究。汽車(chē)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(shuō)”、“銀行資本循環(huán)說(shuō)”、“交易費(fèi)用說(shuō)”。汽車(chē)金融服務(wù)的融資歷史過(guò)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(chē)金融服務(wù)公司的融資結(jié)構(gòu)模型和汽車(chē)金融服務(wù)公司最佳融資結(jié)構(gòu)的作用，以及影響汽車(chē)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(chē)金融服務(wù)公司的幾種主要融資形式，特別介

71、紹了汽車(chē)金融信貸資產(chǎn)證券化的融資形式、汽車(chē)金融服務(wù)中的無(wú)形資產(chǎn)資本化融資戰(zhàn)略、汽車(chē)金融服務(wù)中的特許經(jīng)營(yíng)融資戰(zhàn)略、汽車(chē)金融服務(wù)中的項(xiàng)目融資戰(zhàn)略、汽車(chē)金融服務(wù)中的層際融資戰(zhàn)略。 </p><p>　　汽車(chē)金融服務(wù)產(chǎn)品的開(kāi)發(fā)銷(xiāo)營(yíng)是整個(gè)體系的最后環(huán)節(jié)，它是實(shí)現(xiàn)汽車(chē)金融贏利模式的工具，是汽車(chē)金融信用管理的載體，是汽車(chē)金融融資機(jī)制的運(yùn)作目標(biāo)。 </p><p>　　汽車(chē)金融服務(wù)產(chǎn)品泛指以為汽車(chē)交易及使

72、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(jì)及相應(yīng)的法律契約安排，是現(xiàn)實(shí)中汽車(chē)金融服務(wù)所面臨的各種問(wèn)題的解，包括圍繞價(jià)格最優(yōu)化方面的汽車(chē)金融產(chǎn)品；圍繞規(guī)避銷(xiāo)售政策、制度開(kāi)發(fā)的汽車(chē)金融產(chǎn)品：圍繞汽車(chē)消費(fèi)過(guò)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(kāi)發(fā)的汽車(chē)金融產(chǎn)品。汽車(chē)金融服務(wù)產(chǎn)品的特點(diǎn)由作為一般使用商品的汽車(chē)和作為金融服務(wù)的契約關(guān)系兩大因素來(lái)決定:有“復(fù)合性”、“精密性”、“風(fēng)險(xiǎn)性”、“延續(xù)性”、“選擇性”等； &

73、lt;/p><p>　　汽車(chē)金融產(chǎn)品設(shè)計(jì)是金融學(xué)中最難最富挑戰(zhàn)性的課題之一。它是汽車(chē)金融分析的逆問(wèn)題。汽車(chē)金融產(chǎn)品設(shè)計(jì)的一般流程，包括“目標(biāo)設(shè)計(jì)”、“結(jié)構(gòu)設(shè)計(jì)”、“產(chǎn)品定價(jià)”、“風(fēng)險(xiǎn)收益特性分析”、“產(chǎn)品標(biāo)準(zhǔn)化”。汽車(chē)金融產(chǎn)品的效益評(píng)估方法有：“利潤(rùn)率貼現(xiàn)法”、“信息反饋法”。 </p><p>　　汽車(chē)金融產(chǎn)品開(kāi)發(fā)創(chuàng)新是中國(guó)金融體制改革的內(nèi)在要求，利率市場(chǎng)化，是發(fā)展中國(guó)汽車(chē)金融產(chǎn)品的核心與關(guān)

74、鍵。 </p><p>　　有了汽車(chē)金融服務(wù)產(chǎn)品，還必須開(kāi)辟“直接營(yíng)銷(xiāo)渠道”、“直復(fù)式營(yíng)銷(xiāo)渠道”、“網(wǎng)上營(yíng)銷(xiāo)”，對(duì)汽車(chē)金融產(chǎn)品銷(xiāo)售人員進(jìn)行“效能激勵(lì)”，并對(duì)“效能激勵(lì)”進(jìn)行了模型描述。 </p><p>　　分析開(kāi)放中中國(guó)汽車(chē)金融服務(wù)市場(chǎng)的存在的“并購(gòu)整合”、“市場(chǎng)重組”等趨勢(shì)，提出了落實(shí)中國(guó)銀監(jiān)會(huì)精神，完善汽車(chē)金融服務(wù)公司治理結(jié)構(gòu)，利用“獨(dú)立模式”、“聯(lián)合模式”、“中外合資模式”，建立中