摘要：随着“互联网+”全新发展模式的开启，互联网金融成为目前最具创新力，最具发展前景的新兴行业。互联网巨头开始布局汽车金融行业，重塑汽车金融行业新格局。“互联网+”汽车金融成为当下的一种潮流，同时也被推向风口浪尖。本文从市场规模、服务机构、融资方式、渗透率、盈利能力五个方面来说明汽车金融行业在我国的发展现状；然后进一步从发展背景和商业模式二大方面来分析互联网汽车金融行业的发展现状及前景；其次说明在互联网全面开放的大背景下，汽车金融行业实现自身转型发展所面临的一系列挑战，如模式单一，监管欠缺、资金来源有限等问题；最后针对问题从国家管理层面和汽车金融公司层面提出建议。

关键词：互联网+；汽车金融；商业模式

The Current Situation, Problems and Countermeasures of Automobile Finance Industry under the Background of Internet

Abstract：With the opening of "Internet +" new mode, Internet finance has become the most innovative and most promising new industries. Internet giants began to layout the automotive finance industry as well as reshape the new pattern of automotive finance industry. "Internet +" car finance has become a trend of the moment, but also is pushed to the cusp. This paper explains the development status of automobile finance industry in our country from five aspects: market scale, service organization, financing mode, permeability and profitability. Furthermore, the paper analyzes the current situation and prospect of the development of Internet automotive finance industry by development background and business model. Then, it indicates challenges automotive finance industry faces in the process of self-transformation, such as a single model, lack of supervision, limited funding and other issues. Finally, it makes suggestions on the national level of management and auto finance companies themselves.

Keywords : Internet+; automobile finance; business model

目录

0引言 1

1我国汽车金融行业发展概述 2

1.1汽车金融的相关概念 2

1.2汽车金融行业的发展现状 2

2互联网汽车金融行业发展状况分析 7

2.1互联网汽车金融行业发展背景分析 7

2.2互联网汽车金融商业模式分析 14

3互联网汽车金融行业面临的挑战 21

3.1汽车产业链金融服务开拓不足，服务模式单一 21

3.2资金来源受限，融资成本高 21

3.3互联网的高度开放性，汽车金融市场的竞争加剧 22

3.4监管不完善，存在政策风险 22

3.5我国征信体系的欠缺，汽车行业面临信用风险 23

4互联网汽车金融行业发展政策建议 23

4.1汽车金融服务模式多样化，覆盖全产业链 23

4.2资金来源逐渐有序多样 24

4.3引进创新型的汽车金融人才 25

4.4加强政策监管，规范市场防范风险 25

4.5全面建立我国征信系统，满足汽车金融行业的需求 26

结 论