【正文】 對汽車金融產品銷售人員進行“效能激勵”，并對“效能激勵”進行了模型描述。 如果說汽車金融服務的贏利模式是核心，那么信用管理是駕馭這一模式的關鍵。 創(chuàng)新方面，在研究領域上屬于“跑馬圈地”，基本上整個結構是新的，但也是初步的。 The automobile finance product design is in the finance study is most difficult one of richest challenging topics. It is the automobile finance analysis inverse problem. Automobile finance product design general flow, including “goal design”, “structural design”, “product fixed price”, “risk ine characteristic analysis”, “product standardization”. The automobile finance product benefit appraised the method includes: “Profit margin discount law”, “information feedback law”. The automobile finance product development innovation is the China moary system reform intrinsic request, the interest rate marketability, is develops the Chinese automobile finance product core and the key. Had the automobile finance service product, but also must open “the direct marketing channel”, “the straight multiple marketing channel”, “on the the marketing”, carries on “the potency to the automobile finance product sale personnel to drive”, and to “the potency drove” has carried on the model description. The analysis opens the Chinese automobile finance service market existence “the merger and acquisition conformity”, “the market reorganization” and so on the tendencies, proposed carries out Chinese Silver Jail to meet the spirit, the perfect automobile finance service pany governs the structure, the use “the independent pattern”, “the union pattern”, “the Chineseforeign joint venture pattern”, establishes the Chinese specialized automobile finance service organization, impels the automobile finance service industry moderately to grow in advance, promotes our country automobile industry, the financial service industry overall petitive power. 文獻來源 ： 汽車金融研究 摘要 ： 汽車工業(yè)在國外己有百年歷史。 The automobile finance may play “the maintenance sale system to the automobile manufacturer, the conformity sale strategy, provides the market information the role”。 the automobile finance may play to the car dealer “provides goods in stock financing”, “transport business fund allows temporary credit”, “equipment financing” the role。人們在審視、品味這一百年歷史的時候，往往看到的是汽車工業(yè)的輝煌和車輪民族的富足，而忽視了在這世紀百年、滾滾車塵的背后，有一個無名英雄 —— 汽車金融服務所起到的重要作用。按照“汽車金融的歷史發(fā)展 —— 研究體系的基礎；汽車金融的贏利模式 — 研究體系的核心；汽車金融的信用管理 —— 研究體系的內層；汽車金融的融資機制 —— 研究體系的外層：汽車金融的產品開發(fā) — 研究體系的表層”的順序展開 。在考察“信用理論”、“消費信用理論”這些理論來源后，著重分析了汽車金融服務信用體系的功能與汽車金融服務信用體系的特定內涵與范疇，強調重點是消除汽車金融的信息不對稱性，按照信用等級決定融資數(shù)量與期限。 分析開放中中國汽車金融服務市場的存在的“并購整合”、“市場重組”等趨勢，提出了落實中國銀監(jiān)會精神，完善汽車金融服務公司治理結構，利用“獨立模式”、“聯(lián)合模式”、“中外合資模式”，建立中國專業(yè)的汽車金融服務機構，推動汽車金融服務業(yè)的適度 超前增長，提升我國汽車業(yè)、金融服務業(yè)的整體競爭力。 汽車金融服務 融資結構起著聚納資金的作用，是支撐、保證汽車金融贏利模式發(fā)揮作用的“動力”。 首先，了解一下汽車金融的“發(fā)展歷史”。如果沒有福特汽車信貸公司率先將汽車金融服務作為推動汽車銷售的杠桿，將汽車金融服務用公司制的方式規(guī)范和固定下來，并在世界上 第一個采用證券化的方式融通源源不斷的資金之流，也就沒有今天汽車工業(yè)的波瀾壯闊和百姓生活便利快捷。 In brief, “the automobile finance can consummate socialized, the marketability financial service system”. Under the above analysis premise, I place the research and the writing key point the automobile finance concrete operation flow in several key questions, argues vigorously establishes a relative consummation the structure system. Because at present in domestic, but also does not have one special to discuss with the literature, even is one has the depth paper, studies the automobile finance question, I only then “l(fā)ook for a needle in a haystack”, seeks some fragmentarily, the dispersible material from the overseas university development facility and in the automobile finance service website. The innovation aspect, belongs in the research area “runs the horse stable place”, the basically entire structure is new, but also is preliminary. According to “automobile finance historical development research system foundation。 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