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本文在梳理相关研究文献和界定汽车贷款、分期付款和汽车金融概念的基础
上,以消费理论和消费信贷风险理论为指导,首先,对Z银行汽车金融贷款现状
进行了分析,认为Z银行汽车金融贷款存在的问题主要有:被动开展汽车金融贷
款业务、汽车金融贷款产品单一、汽车金融贷款费率偏高和汽车金融贷款时效性
差,究其原因主要是银行汽车金融服务观念落后、消费者消费贷款观念匮乏、银
行信用卡大数据利用不充分和银行汽车金融人才缺乏。其次,文章阐述了信用卡
大数据的功能和作用,重点分析了信用卡大数据在汽车金融信贷中的应用,认为
依靠信用卡大数据,可以确定汽车信贷目标客户、实现银行汽车贷款风险评估、
实施汽车信贷精准营销、创新汽车信贷产品、优化汽车信贷渠道、控制汽车信贷
风险,为创新Z银行汽车金融贷款模式提供支撑。基于此,文章提出了 Z银行汽
车金融贷款创新模式是创新产品模式(完善产品包装、差异化定价策略、定制化
还款服务、跨界合作打造车贷理财通、提供020产品服务)、创新业务流程模式
(大数据评估信用、优化初审系统、使用PAD移动申请终端、提供实时拨款)、
创新营销模式(协同信贷营销、掌上生活定位优质客户、微信自媒体、购车俱乐
部)。最后,文章从银行、经销商和购车客户三个方面阐述了 Z银行汽车金融贷
款创新模式的优越性,从准确定位客户群体、加强市场营销力度、建立完善的风
险管理机制、提升信息科技的保障力度、提供汽车金融人才支持等几个方面提出
了 Z银行汽车金融贷款创新模式的实施路径
Z银行汽车金融贷款创新模式的实施,使Z银行成为汽车金融贷款的发起人,
主动寻找客户、主动寻找汽车经销商,自主控制客户的汽车金融贷款风险,告别Z
银行在传统的汽车金融贷款模式中的被动地位,增强Z银行在汽车金融贷款领域
I 的竞争力,降低Z银行汽车金融贷款风险,提高Z银行汽车金融贷款业务利润率,
最终实现银行增收、经销商获利、贷款客户受益的目标
关键词:汽车金融贷款、信用卡大数据、创新模式
II Abstract
Since 2009, new cars in China sale more than that in the United States, which
ranks first in the world. In 2014, China&39;s car ownership number is more than 140 million,
and the demand of auto has become the largest in the world, but compared the history of
the development of auto with other developed countries, the car market development of
China is lagging behind. From the perspective of history of the mature market, auto
consumer finance plays an extremely important role. According to the statistics of credit
institutions, foreign automobile consumer finance average penetration rate increases
over 50%, in 2014 the number of consumers in United States credit car buying is 84%
of new car sales, while China is only 20%.Therefore5 compared with the mature auto
market of developed countries, China&39;s auto buying is mainly the traditional full
purchase, car financial penetration rate is relatively low. So, the space of car financial
development is broad, and the popularity of the auto finance is a big problem in china.
On the basis of reviewing the relevant research literature, this paper defined
concept of the auto loans, installment and auto finance, and use the consumption theory
and consumer credit risk theory as direction, analyzing the current situation of Z bank
auto loan, discovering existence major problems of the auto loan in Z bank : passive
position in auto loan business , auto loan products simplification, high auto loan rates
and poor effectiveness of auto loan .The main reason is that the automobile financial
service concept is backward, the idea of consumer loan from bank is shortage, bank
credit card data are not fully used, and lack of bank auto finance talent. This paper
expounds the function and effect of credit card data, analyzes the application of credit
card big data in auto financial credit, and thinks that rely on credit card big data, Z bank
can determine the target customers, realize the auto credit risk assessment, implement
precision marketing of auto loan, innovate automobile credit products, optimize the
automobile credit channel, control auto credit risk, and provide support for the
innovation of Z bank auto loan model. This paper puts forward that the Z bank auto loan
innovation model is the innovation product model (improving product packaging, using
differential pricing strategy, offering customized payment service, building cross-border
cooperation car loan product, providing 020 products and services), innovate business
III process model (large data evaluation system, optimization of trial system, using the
PAD mobile terminal, providing real-time funding), innovative marketing mode
(collaborative credit marketing, palm life positioning clients, WeChat from the media,
car club). Finally, the paper expounds the superiority of Z bank auto loan innovation
model from three aspects of banks, dealers and customers, putting forward the
implementation path of positioning of customer groups accurately, strengthening
marketing efforts,establishing a sound risk management mechanism,enhancing the
information technology support, and providing the auto finance personnel support.
The implementation of Z bank auto loan innovation model, the Z bank can become
the sponsor of auto finance loans, which means it can find customers, look for car
dealers, control the risk of auto finance loan and bid farewell to the passive position in
traditional auto loan model. The new mode also can enhance the competitiveness in auto
finance loans, reduce auto loan risk, improve the loan bank risk profit rate, and
ultimately, achieve the goal of increasing benefits of bank, dealers and customers.
Keywords: Auto finance loan, Credit card big data, Innovation model
IV 目录
m m i
Abstract Ill
第一章引言 1
1.1研宄背景及意义1.1.1研究背景1.1.2 研宄意义.1.2研宄现状^述……二..……11.3 研究内容1.4 研宄方法1.5创新之处
:.第二章Z银行汽车金融贷款模式创新理论基础2.1相关概念的界定2.1.1汽车贷款2.1.2分期付款2.1.3 汽车金融2.2消费理论2.2.1凯恩斯绝对收入假说理论2.2.2杜森贝利的相对收入假说理论2.2.3莫迪利安尼的生命周期假说理论2.2.4费雪的跨期消费选择理论2.3消费信贷风险理论2.3.1预期收入理论2.3.2信息不对称理论2.3.3风险预警理论第三章Z银行汽车金融贷款现状分析3.1Z银行简介3.2Z银行汽车金融贷款发展状况V 3.3Z银行汽车金融贷款存在的问题3.3.1被动开展汽车金融贷款业务3.3.2汽车金融贷款产品单一
21
3.3.3汽车金融贷款费率偏高
21
3.3.4汽车金融贷款时效性差
22
3.4Z银行汽车金融贷款模式存在问题的原因分析
23
3.4.1银行汽车金融服务观念落后
23
3.4.2消费者贷款消费观念匮乏
23
3.4.3银行信用卡大数据利用不充分
23
3.4.4银行汽车金融人才缺乏
24
3.4.5银行汽车金融贷款风险控制乏力
24
第四章信用卡大数据——Z银行汽车金融贷款模式创新的基础.....25
4.1大数据及其功能
25
4.1.1大数据的含义
25
4.1.2大数据特征
25
4.1.3大数据的作用
27
4.2信用卡大数据
28
4.2.1信用卡的含义
28
4.2.2信用卡的功能
29
4.2.3信用卡的大数据功能
30
4.3信用卡大数据在汽车金融信贷中的应用
31
4.3.1依靠信用卡大数据,确定汽车信贷目标客户
31
4.3.2依靠信用卡大数据,实现银行汽车贷款风险评估
31
4.3.3依靠信用卡大数据,实施汽车信贷精准营销
31
4.3.4依靠信用卡大数据,创新汽车信贷产品
32
4.3.5依靠信用卡大数据,优化汽车信贷渠道
32
4.3.6依靠信用卡大数据,控制汽车信贷风险
32
第五章Z银行汽车金融贷款模式创新
33
5.1创新产品模式
33
5.1.1完善产品包装
33
5.1.2差异化定价策略
34
VI 5.1.3定制化还款服务
34
5.1.4跨界合作打造车贷理财通
35
5.1.5提供020产品服务
35
5.2创新业务流程模式
36
5.2.1大数据评估信用
36
5.2.2优化初审系统
36
5.2.3使用PAD移动申请终端
37
5.2.4提供实时拨款
38
5.3创新营销模式
38
5.3.1实施协同营销
38
5.3.2拓展掌上生活客户端功能
.....39
5.3.3打造微信自媒体平台
40
5.3.4挖掘多种线下渠道
40
六、Z银行汽车金融贷款创新模式的优越性和实施路径
43 一
6.1 Z银行汽车金融贷款创新模式的优越性
43
6.1.1搭建银行新的业务增长平台
43
6.1.2提高经销商汽车销售量
44
6.1.3贷款购车客户获得更多实惠
44
6.2Z银行汽车金融贷款创新模式实施的路径
45 —
6.2.1准确定位客户群体
45
6.2.2加强市场营销力度
46
6_2.3建立完善的风险管理机制
46
6.2.4提升信息科技的保障力度
47
6.2.5提供汽车金融人才支持
48
七雖 49
参考文献
51
致谢 55
攻读硕士学位期间科研成果
57
VII 第一章引言
第一章引言
1.1研究背景及意义
1.1.1研究背景
自2009年以来,中国的新车销售量超过美国,排名世界第一位,2016年我国
汽车保有量超过2.9亿辆,成为世界上汽车需求量最大的国家,但是与其他发达
国家的汽车发展史相比,中国的汽车市场发展只是初具雏形。从-^个成熟市场的
发展轨迹来看,在成熟的汽车市场销售和循环系统
