【正文】 Automobile finance research Abstract: The automobile industry has hundred years history in overseas oneself. The people in carefully examine, savors these 100 year historical time, often saw is the automobile industry magnificent and the wheel nationality39。s abundance, but has neglected in this century hundred year, billowing automobile dust behind, some unknown hero automobile finance service station plays vital role. If did not have at that time “the carapace insect” unsolvable with Germany Volkswagenwerk famous “five Deutsche Mark credits” emerging, does not have today “the unparalleled in the world” automobile empire and world top level German automobile industry。 If does not have the Ford automobile credit pany to take the lead the automobile finance service to take the impetus auto sale the release lever, standard and gets down fixedly the automobile finance service with the corporate system way, and first uses the securitization in the world the way to allow temporary credit class of the continuously fund, also does not have today automobile industry mammoth and the mon people lives the convenience to be quick. In a sense, had the automobile finance service, only then had today automobile industry, today aviation industry and now weather all mechanical manufacturing industries。 Also had the automobile finance service, only then had human39。s radius of action hundred, thousand kilometer level spanning, had the humanity to benefit in the geography space and time expands the humanities spirit sublimation which, the movement speed enhanced brings. Automobile finance research Must understand truly the automobile industry, must first read the automobile finance。 must develop the automobile industry truly, must first develop the automobile finance. Domestic and foreign historical oneself after has made clear this point. China passes for several dozens years to attempt one to leave the automobile finance continuously, the independence develops the automobile industry pathway, the result it can be imagined. Is big until now, realized only then gradually, the automobile finance is the automobile industry ox muzzle, the automobile finance starts one of important keys which the society expends. Although automobile finance expends in the finance in the overseas society, after has bee continues the real estate finance the second big finance, but in China whether needs to develop also has the very great dispute. In other words, whether does the automobile finance production and develop in a disorderly way may follow? On the one hand I according to Mr. Liu Fuyuan “the national economy space and time theory”, also “national economy development phase to economical thing and economic phenomena keeping in balance with guiding function” the viewpoint embarks, “deepens and “the consumption pattern has and the change rule” the angle from the finance”, had the development national economy stage space and time characteristic to the automobile finance service to carry on the analysis, proposed “the automobile finance was the national economy develops the financial phenomenon which under the specific stage appeared inevitably” and “the consumption pattern operating law decided the automobile finance had the development” and so on the viewpoints. On the other hand I attempt through the automobile finance service to macroscopic economical and the microscopic economical function analysis, explained the automobile finance service enhanced the automobile production, the service, the expense domain fund use efficiency, strengthened the financial service superiority, thus further emphasized the automobile finance produces rationality: The automobile finance can adjust in the national economy movement three big contradictory: “Production and expense contradiction”, “turnover of capital contradiction”, “credit (demand) and deposit (supplies) contradiction”。 The automobile finance has “the high value transferability” to the automobile industry, has “the height dependence and