河北省城商行汽车金融发展的研究摘要随着经济的发展，人民的收入水平和消费能力提高，人民对汽车消费的需求增加，我国的汽车行业已经进入了一个快速发展的阶段；与此相伴，汽车金融行业也有了更大的发展空间和发展前景。河北省的城市商业银行是河北省汽车金融市场中的一个重要主体，但是河北省城商行的汽车金融业务起步较晚，发展过程中也出现了一些问题。河北省城商行在汽车金融市场中如何才能与大型商业银行、汽车金融公司和汽车租赁公司的竞争中脱颖而呢？首先本文将从汽车金融的定义出发，阐述汽车金融在中国的产生和发展，同时结合河北省城商行汽车金融业务的发展现状，来分析目前河北省城市商业银行在汽车金融市场中所拥有的优势和存在的问题；最后试着分析河北省城商行应该如何扩大优势和解决所存在的问题，从而实现河北省城商行汽车金融业务的发展。关键词：河北省；城市商业银行；汽车金融TheDevelopmentofAutoFinanceofCityCommercialBanksinHebeiProvinceABSTRACTWiththeeconomicdevelopment,thepeople’slivingstandardshaveimproved,andthepeople’sdemandforautoconsumptionhasincreased.TheautoindustryinChinahasenteredastageofrapiddevelopment.Accompaniedbythis,theautofinanceindustryalsohasgreaterdevelopmentspaceanddevelopmentprospects.ThecitycommercialbankofHebeiProvinceisanimportantsubjectinHebei'sautofinancemarket,buttheautofinancebusinessofHebeiProvinceCityCommercialBankstartedlate,andsomeproblemshaveappearedinthedevelopmentprocess.HowcancitycommercialbanksinHebeiProvincestandoutfromthecompetitionamonglargecommercialbanks,autofinancecompaniesandcarrentalcompaniesintheautomotivefinancialmarket?Firstofall,thisarticlewillstartfromthedefinitionofautofinance,expoundtheemergenceanddevelopmentofautofinanceinChina,andatthesametime,combinethedevelopmentstatusofautofinancebusinessofHebeiCityCommercialBanktoanalyzethecurrentadvantagesandexistingadvantagesofurbancommercialbanksinautofinanceindustry.Problems;finallytriedtoanalyzehowHebeiProvinceCityCommercialBankshouldexpanditsadvantagesandsolvetheexistingproblems,soastoachievethedevelopmentofHebeiProvinceCityCommercialBankautofinance.Keyword：HebeiProvince;CityCommercialBank;AutomotiveFinance目录引言.........................................................11汽车金融的产生和发展......................................21.1汽车金融的定义................................................21.2汽车金融的产生和发展..........................................22河北省城商行汽车金融的发展现状............................42.1我国汽车金融发展现状.........................................42.2城商行的个人汽车贷款业务......................................43河北省城商行汽车金融发展的问题............................63.1跨区域经营能力不足............................................63.2重视程度不足，专业化水平低....................................73.3业务开展成本高，效率低........................................73.4个人信用制度不完善............................................73.5汽车金融渗透率不足............................................83.6汽车金融市场竞争激烈..........................................93.7法律法规不健全................................................94河北省城商行汽车金融发展的对策...........................104.1提高跨区域经营能力...........................................104.2加强重视，专业拓展...........................................104.3降低成本，提高效率...........................................114.4加强征信建设，防范风险.......................................114.5提高渗透率..........................
