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论文编号：	10727
作者编号：	2120163173
上传时间：	2018/12/9 15:30:40
中文题目：	CT商业银行汽车金融业务的优化策略研究
英文题目：	Research on Optimization Strategy of Auto Finance for Commercial Bank CT
指导老师：	王曼舒
中文关键字：	商业银行,汽车金融,融资渠道,金融脱媒
英文关键字：	commercial bank, auto finance, financing channel, financial disintermediation
中文摘要：	近年来，随着汽车产业的快速发展，汽车金融公司的融资需求日益加大。截至2017年末，25家汽车金融公司行业平均资产负债率高达86.06%。从融资结构来看，长期以来我国汽车金融公司的资金主要来源于商业银行借款，且以短期借款循环使用的方式来满足中长期汽车消费信贷业务的资金需求，在降低融资成本的同时也相应导致其资产负债期限错配，对商业银行借款的依赖势必无法满足汽车金融公司的业务发展。因此，近年来汽车金融公司努力拓展融资渠道，有效降低资金成本。截至2018年8月份，已经有9家汽车金融公司在银行间市场发行金融债券，有7家汽车金融公司在银行间市场发行了资产支持证券化,逐渐摆脱了单一渠道的融资模式。那么当商业银行面对汽车金融公司这种典型的金融脱媒态势时，也必然要完善优化自身的服务方式，灵活转变自身的服务角色，以满足汽车金融公司新的发展需求。 本文共分六个章节。第一章介绍了文章研究背景与选题意义、研究内容与研究框架、研究方法与创新点。第二章给出了汽车金融的相关定义，对金融脱媒、资产证券化进行了综述；通过对理论回顾和文献综述加强了对汽车金融发展及行业风险的理论研究。第三章以CT商业银行的服务方案为例，介绍了目前商业银行为汽车金融公司的服务现状，并由此引出了汽车金融发展面临的问题。第四章主要研究CT商业银行汽车金融服务的优化策略，借鉴发达国家的发展经验，提出CT商业银行的优化方向。第五章是通过对CT商业银行汽车金融业务的外部影响因素以及内部信用风险点的分析，提出CT商业银行在优化过程中要采取的相应配套措施。第六章是研究结论与展望，对本次研究进行全面总结，并对商业银行综合化发展更多面的开展汽车金融业务进行了展望。 本文中CT商业银行为了在汽车金融业务领域持续良好的发展，而进行优化策略研究。通过对我国汽车金融领域产业政策、发展现状、面临问题等方面的研究，对国外汽车金融先进发展模式的借鉴学习，并结合商业银行在金融脱媒变革中新的发展模式，提出了CT商业银行汽车金融业务的优化策略，以期提供有价值的参考借鉴。
英文摘要：	In recent years, with the rapid development of the automobile industry, the financing needs of auto finance companies have increased. As of the end of 2017, the average asset-liability ratio of 25 auto finance companies was as high as 86.06%. From the perspective of financing structure, for a long time, the funds of China's auto finance companies mainly came from commercial banks' borrowing, and they used short-term borrowing to recycle the capital demand of medium and long-term auto consumer credit business, while reducing financing costs. As a result, the maturity of its assets and liabilities is mismatched, and the dependence on commercial bank loans is bound to fail to meet the business development of auto finance companies. Therefore, in recent years, auto finance companies have worked hard to expand financing channels and effectively reduce capital costs. As of August 2018, nine auto finance companies have issued financial bonds in the interbank market, and seven auto finance companies have issued asset-backed securitization in the interbank market, gradually getting rid of the single-channel financing model. Then when commercial banks face the typical financial disintermediation situation of auto finance companies, they must also improve their service methods and flexibly transform their service roles to meet the new development needs of auto finance companies. This article is divided into six chapters. The first chapter introduces the research background and the significance of the topic, research content and research framework, research methods and innovations. The second chapter gives the definition of auto finance, summarizes financial disintermediation and asset securitization, and strengthens the theoretical research on auto finance development and industry risk through theoretical review and literature review. The third chapter takes CT Bank's service plan as an example to introduce the current status of commercial banks' services for auto finance companies, and thus leads to the problems faced by auto finance development. The fourth chapter mainly studies the optimization strategy of auto commercial services of CT commercial banks, and draws on the development experience of developed countries, and proposes the optimization direction of CT commercial banks. The fifth chapter is to analyze the external factors affecting the auto finance business of CT commercial banks and the internal credit risk points, and propose the corresponding supporting measures that CT commercial banks should adopt in the optimization process. The sixth chapter is the conclusions and prospects of the research, comprehensively summarizing this research, and prospecting the development of auto finance in the comprehensive development of commercial banks. In this paper, CT Commercial Bank conducts optimization strategy research in order to continue its good development in the automotive finance business. Through the research on the industrial policy, development status and problems in China's auto finance field, the study of the advanced development model of foreign auto finance, combined with the new development model of commercial banks in the financial disintermediation reform, proposed CT commercial bank. The optimization strategy of auto finance business is expected to provide valuable reference.
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