【正文】 he market mechanism unexpectedly to the automobile finance service profit pattern serviceability”, “the oligopoly market to the automobile finance service profit pattern serviceability” the conclusion, and has specifically analyzed under each kind of market condition, automobile finance service profit pattern running status. In this part, my another new viewpoint is, proved the automobile finance service to rise in value fully the profit pattern necessity, the concrete method, the fund position, the investment principle, the investment portfolio. Also introduced I apply the investment bank fundamental research development one kind of typical automobile finance service to raise in value the profit pattern “to buy the vehicle to manage finances the profit pattern”. If the automobile finance service profit pattern is a core, then the credit administration is controls this pattern the key. After inspects “the credit theory”, “the consumer credit theory” these theory origin, has emphatically analyzed the automobile finance service credit system function and the automobile finance service credit system specific connotation and the category, emphasized the key point is eliminates the automobile finance the information dissymmetry, according to credit rank decision financing quantity and deadline. Also “paid (deposit) to selfto restrain the mechanism”, “the joint and several liability mechanism”, “the credit system mechanism” and so on the automobile finance service credit operations machine has manufactured the description, has established the measure automobile finance service individual loan risk and the automobile finance reimburses ability management the essential method, and established the automobile finance service credit system on our country to propose the countermeasure. The automobile finance service financing structure plays is gathering accepts the fund the role, is the support, the guarantee automobile finance profit pattern display function “the power” .It both automobile finance profit pattern control, and reaction in automobile finance profit pattern, therefore, met down has conducted the research to it. The automobile finance service pany finances the structure rationale to have “the financial capital to say”, “the banking capital circulation said”, and “the transaction expense said”. The automobile finance service financing history process has experienced “endogen financing”, “extraneous source financing” and “highly effective in extraneous source financing”. Has analyzed the automobile finance service pany39。 Automobile finance profit pattern research system core。 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。 Automobile finance credit administration research system inner layer。s financing structural model and the automobile finance service pany best financing structure function, as well as the influence automobile finance Service Company finances the structure primary factor. Also with emphasis introduced the automobile finance service pany39。也正是有了汽車金融服務(wù)，才有了人的活動(dòng)半徑的百、千公里級(jí)的跨越，有了人類得益于地理時(shí)空擴(kuò)大、運(yùn)動(dòng)速率提高所帶來(lái)的人文精神的升華。 另一方面我試圖通過(guò)汽車金融服務(wù)對(duì)宏觀經(jīng)濟(jì)和微觀經(jīng)濟(jì)的作用分析，說(shuō)明汽車金融服務(wù)提高了汽車生產(chǎn)、服務(wù)、消費(fèi)領(lǐng)域的資金使用效率，增強(qiáng)了金融服務(wù)的優(yōu)勢(shì)，從而進(jìn)一步強(qiáng)調(diào)汽車金融產(chǎn)生的合理性： 汽車金融能夠調(diào)節(jié)國(guó)民經(jīng)濟(jì)運(yùn)行中三大矛盾：“生產(chǎn)與消費(fèi)的矛盾”、“資金周轉(zhuǎn)的矛盾”、“信貸 (需求 )和儲(chǔ)蓄 (供給 )的矛盾”； 汽車金融對(duì)汽車產(chǎn)業(yè)有“高價(jià)值轉(zhuǎn)移性”，對(duì)第三產(chǎn)業(yè)有“高度關(guān)聯(lián)和帶動(dòng)性”，對(duì)就業(yè)有“高安置性”； 汽車金融對(duì)汽車廠商可以起到“維護(hù)銷售體系、整合銷售策略、提供市場(chǎng)信息的作用”； 汽車金融對(duì)汽車經(jīng)銷商可以起到“提供存貨融資”、“營(yíng)運(yùn)資金融通”、“設(shè)備融資”的作用； 汽車金融對(duì)汽車用戶可以起到“提供消費(fèi)信貸”、“租賃融資”、“維修融資”、“保險(xiǎn)業(yè)務(wù)”的作用； 總之，“汽車金融能夠完善社會(huì)化、市場(chǎng)化的金融服務(wù)體系”。 在此基礎(chǔ)上還專門分析了中國(guó)汽車金融的特殊發(fā)展經(jīng)歷及利弊。 我還將西方經(jīng)濟(jì)學(xué)“市場(chǎng) 分析”理論引入，分析并得出了“完全競(jìng)爭(zhēng)市場(chǎng)對(duì)汽車金融服務(wù)贏利模式的非適用性”、“完全壟斷市場(chǎng)對(duì)汽車金融服務(wù)贏利模式的非適用性”、“壟斷竟?fàn)幨袌?chǎng)結(jié)構(gòu)對(duì)汽車金融服務(wù)贏利模式的適用性”、“寡頭壟斷市場(chǎng)對(duì)汽車金融服務(wù)贏利模式的適用性”的結(jié)論，并具體分析了每一種市場(chǎng)條件下，汽車金融服務(wù)贏利模式的運(yùn)行狀態(tài)。汽車金融服務(wù)公司融資結(jié)構(gòu)的理