【正文】 汽車(chē)金融服務(wù)產(chǎn)品泛指以為汽車(chē)交易及使用融通資金所進(jìn)行的金融結(jié)構(gòu) (數(shù)量、期限、成本等 )、金融策略設(shè)計(jì)及相應(yīng)的法律契約安排，是現(xiàn)實(shí)中汽車(chē)金融服務(wù)所面臨的各種問(wèn)題的解，包括圍繞價(jià)格最優(yōu)化方面的汽車(chē)金融產(chǎn)品；圍繞規(guī) 避銷(xiāo)售政策、制度開(kāi)發(fā)的汽車(chē)金融產(chǎn)品：圍繞汽車(chē)消費(fèi)過(guò)程中的所必須的服務(wù)環(huán)節(jié)的便利性、經(jīng)濟(jì)性和保障性開(kāi)發(fā)的汽車(chē)金融產(chǎn)品。這也是在進(jìn)一步論證汽車(chē)金融存在的“合理性”問(wèn)題。直到今大，才逐漸認(rèn)識(shí)到，汽車(chē)金融是汽車(chē)工業(yè)的牛鼻子，汽車(chē)金融是啟動(dòng)社會(huì)消費(fèi)的重要鑰匙之一。 Also analyzed “the economical globalization” in the process the automobile finance service to start to appear “the multidimensional strategy”, “the deepened strategy” and “the hypothesized service” the trend of development. Specially has also analyzed the Chinese automobile finance special development experience and the advantages in this foundation. According to “the modern effective market hypothesis”, has analyzed “the interest rate control” in the situation, the Chinese automobile money market nonvalidity, has drawn some basic conclusions: Induces and the start huge individual deposit with the automobile finance service, supports the national economy high speed to grow continually: The automobile finance service is helpful “the automobile expends the leading” in the establishment the market pattern。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。 In the research technique, has mainly used “the parison research” the method, in the Western economic, the finance study, the insurance study, the service management science, the financial engineering, consumer economics domain extensive cultivation and so on the marketing study, patible and gathers, uses these theories to explain diligently the automobile finance the related question, and has formed some new viewpoints, mainly has “the automobile finance increment profit pattern” in the concrete content, “the credit reimburses ability management”, “the automobile finance multidimensional financing structure”, “the automobile finance financial product development”, “the automobile finance product achievements marketing” and so on. First, understands the automobile finance “the development history”. Has analyzed the automobile finance service pany39。要真正發(fā)展汽車(chē)工業(yè)，必須首先發(fā)展汽車(chē)金融。汽車(chē)金融服務(wù)有助于消除“汽車(chē)需求增長(zhǎng)區(qū)域性?xún)A斜”問(wèn)題；汽車(chē)金融服務(wù)有助于發(fā)揮用好中國(guó)汽車(chē)存量資產(chǎn)。分析了汽車(chē)金融服務(wù)公司的融資結(jié)構(gòu)模型和汽車(chē)金融服務(wù)公司最佳融資結(jié)構(gòu)的作用，以及影響汽車(chē)金融服務(wù)公司融資結(jié)構(gòu)的主要因素。汽車(chē)金融產(chǎn)品設(shè)計(jì)的一般流程，包括“目標(biāo)設(shè)計(jì)”、“結(jié)構(gòu)設(shè)計(jì)”、“產(chǎn)品定價(jià)”、“風(fēng)險(xiǎn)收益特性分析”、“產(chǎn)品標(biāo)準(zhǔn)化”。 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(chē)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(chē)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(chē)金融服務(wù)贏利模式的適用性”、“寡頭壟斷市場(chǎng)對(duì)汽車(chē)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(chē)金融服務(wù)贏利模式的運(yùn)行狀態(tài)。 另一方面我試圖通過(guò)汽車(chē)金融服務(wù)對(duì)宏觀(guān)經(jīng)濟(jì)和微觀(guān)經(jīng)濟(jì)的作用分析，說(shuō)明汽車(chē)金融服務(wù)提高了汽車(chē)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(chē)金融產(chǎn)生的合理性： 汽車(chē)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(chē)金融對(duì)汽車(chē)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(chē)金融對(duì)汽車(chē)廠(chǎng)商可以起到“維護(hù)銷(xiāo)售體系、整合銷(xiāo)售策略、提供市場(chǎng)信息的作用”； 汽車(chē)金融對(duì)汽車(chē)經(jīng)銷(xiāo)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(chē)金融對(duì)汽車(chē)用戶(hù)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(chē)金融能夠完善社會(huì)化、市場(chǎng)化的金融服務(wù)體系”。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。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 profit pattern research system core。從某種意義上講，正是有了汽車(chē)金融服務(wù)，才有了今天的汽車(chē)工業(yè)，今天的航空工業(yè)和今天兒乎所有的機(jī)械制造業(yè) 。 分析了汽車(chē)金融服務(wù)公司的一般演變歷史過(guò)程和當(dāng)前幾種主要存在形式，包括“大汽車(chē)制造企業(yè)附屬型”、“大銀行財(cái)團(tuán)附屬型”、“獨(dú)立型”；分析了汽車(chē)金融服務(wù)公司新的“復(fù)合優(yōu)勢(shì)”；還分析了“經(jīng)濟(jì)全球化”過(guò)程中汽車(chē)金融服務(wù)開(kāi)始出現(xiàn)的“多元戰(zhàn)略”、“深化 戰(zhàn)略”和“虛擬服務(wù)”發(fā)展趨勢(shì)。它既受汽車(chē)金融贏利模式的支配，又反作用于汽車(chē)金融贏利模式，因此，接下來(lái)對(duì)它進(jìn)行了研究。 有了汽車(chē)金融服務(wù)產(chǎn)品，還必須開(kāi)辟“直接營(yíng)銷(xiāo)渠道”、“直復(fù)式營(yíng)銷(xiāo)渠道”、“網(wǎng)上營(yíng)銷(xiāo)”，