中国目前已经是全球最大的汽车消费国，国内汽车的年产销已将近3000万辆， 而中国的汽车金融渗透率目前只有40%的水平，汽车融资租赁和二手汽车金融的渗 透率更是不到5%，这些体现汽车金融市场发达程度的重要指标都远远低于欧美发 达国家水平。随着中国经济的快速发展，国民GDP将很快超过1万美元，国内对 汽车金融产品、服务的消费需求和消费能力将不断提升，加之年轻一代消费者金 融消费意识的增强，中国的汽车金融消费市场有着巨大的潜力和发展空间。而作 为市场主力的汽车金融公司在互联网金融的背景下，逐渐暴露出了业务增长缓慢、 服务模式单一、产品体系单薄、风险控制薄弱、成本居高不下等发展问题。与此 同时，来自于网络汽车金融的迅猛发展和激烈竞争，传统的汽车金融公司面临了 巨大的压力和挑战，实施数字化转型发展战略已是迫在眉睫。 本文利用文献研讨法、归纳分析法以及案例分析法全面深入的分析研究了汽 车金融在中国的发展历程，现阶段传统汽车金融公司在互联网金融背景下面对的 内外部环境和挑战，以及互联网汽车金融的优势。并以W汽车金融公司为例，分 析了汽车金融公司如何利用大数据、AI人工智能、云计算、区块链和新一代信息 通讯技术在业务提升、服务升级、产品创新、风险控制和成本节约方面推进和实 施数字化战略，进而推动汽车金融公司继续健康发展。 本文的研究成果给汽车金融公司的数字化转型发展提供了经验借鉴。在互联 网金融的大背景下，汽车金融公司应该整合内外部资源，借助互联网金融科技和 新一代通讯信息技术进行数字化转型，进而促进业务增长、升级服务水平、创新 产品体系、提升风控能力和控制运营成本，在提高生产效率的同时降低生产成本， 为汽车金融公司进一步发展提供动力。与此同时，作为中国汽车金融市场主力的 汽车金融公司的发展问题对整个中国汽车金融行业的健康发展具有重要影响。本 文通过W公司数字化战略的成功实施，为整个中国汽车金融行业制定和实施数字 化转型发展战略提供了参考，这对整个中国汽车金融行业在互联网金融背景下的 继续健康发展具有重要而积极的参考意义。 关键词：汽车金融，互联网金融，转型与发展 湖北工业大学硕士学位论文 II Abstract Chinaisnowthelargestautoconsumermarketintheworld,withannual productionandsalesofdomesticcarsreachingnearly30millionunits,whileChina’s autofinancepenetrationrateiscurrentlyonly40%,andcarfinanceleasingandusedcar financepenetrationratesareevenlessthan5%,theseimportantindicatorsreflectingthe degreeofdevelopmentoftheautofinancialmarketarefarbelowthelevelofdeveloped countriesinEuropeandtheUnitedStates.WiththerapiddevelopmentofChina's economy,thenationalGDPwillsoonexceedUS$10,000.Thedomesticconsumer demandandconsumptioncapacityforautofinanceproductsandserviceswillcontinue toincrease.Inaddition,theyoungergenerationofconsumerswillhavegreaterfinancial consumptionawareness,theconsumermarkethashugepotentialanddevelopment space.InthecontextofInternetfinance,autofinancecompaniesthatarethemain playersinthemarkethavegraduallyexposeddevelopmentissuessuchasslowbusiness growth,singleservicemodel,thinproductsystem,weakriskcontrol,andhighcosts.At thesametime,duetotherapiddevelopmentandfiercecompetitionofinternetauto finance,traditionalautofinancecompaniesarefacingtremendouspressureand challenges,andtheimplementationofadigitaltransformationdevelopmentstrategyis imminent. Inthispaper,literaturereview,inductiveanalysisandcaseanalysisareusedto analyzethedevelopmentprocessofautofinanceinChina,theinternalandexternal environmentandchallengesfacedbytraditionalautofinancecompaniesinthecontext ofInternetfinance,andtheadvantagesofInternetautofinance.TakingWAutoFinance companyasanexample,itanalyzeshowautofinancecompaniesusebigdata,AI artificialintelligence,cloudcomputing,blockchainandnext-generationinformationand communicationtechnologiestopromoteandimplementadigitalstrategy,inbusiness improvement,serviceupgrade,productinnovation,riskcontrolandcostsavings,in ordertopromotethecontinuedhealthydevelopmentofautofinancecompanies. Theresearchresultsofthisarticleprovideanexperienceforthedigital transformationanddevelopmentofautofinancecompanies.Inthecontextofinternet finance,autofinancecompaniesshouldintegrateinternalandexternalresources,make digitaltransformationwiththehelpofinternetfinancetechnologyandnext-generation informationandcommunicationtechnologiestopromotebusinessgrowth,upgrade servicelevels,innovativeproductsystems,improveriskcontrolcapabilitiesandcontrol operatingcosts,improveproductionefficiencywhilereducingproductioncosts,it providesanimpetusforthefurtherdevelopmentofautofinancecompanies.Atthesame time,thedevelopmentofautofinancecompanies,whicharethemainplayersin Chineseautofinancemarket,hasanimportantimpactonthehealthydevelopmentofthe entireChineseautofinanceindustry.ThroughthesuccessfulimplementationofW company'sdigitalstrategy,thisarticleprovidesareferencefortheentireChineseauto 湖北工业大学硕士学位论文 III financeindustrytoformulateandimplementthedigitaltransformationdevelopment strategy.Ithasimportantandpositivereferencesignificanceforthecontinuedhealthy developmentoftheentireChineseautofinanceindustryinthecontextofinternet finance. Keywords:Autofinance,Internetfinance,TransformationandDevelopment 湖北工业大学硕士学位论文 IV 目录 摘要.................................................................................................................................................I Abstract...............................................................................................................................................II 目录...............................................................................................................................................IV 第1章绪论.........................................................................................................................................1 1.1论文选题背景、目的和意义...................................................................................................1 1.1.1选题背景.......................................................................................................................1 1.1.2课题研究目的...............................................................................................................1 1.1.3课题研究意义...............................................................................................................2 1.2研究综述...................................................................................................................................4 1.2.1国外研究现状...............................................................................................................4 1.2.2国内研究现状...............................................................................................................5 1.2.3研究述评.......................................................................................................................7 1.3研究内容、方法和框架...........................................................................................................8 1.3.1研究内容.......................................................................................................................8 1.3.2研究方法.......................................................................................................................9 1.3.3研究框架.....................................................................................................................10 第2章中国汽车金融发展概述........................................................................................................11 2.1汽车金融相关概念.................................................................................................................11 2.2中国汽车金融发展历程.........................................................................................................12 2.2.1萌芽起步阶段............................................................................................................12 2.2.2快速发展阶段............................................................................................................13 2.2.3调整规范阶段............................................................................................................14 第3章互联网金融背景下W公司的发展困境................................................................................16 3.1W汽车金融公司简介..............................