CAJ | 학술논문

本文以汽车金融为独立金融产业，在波特钻石模型基础上引入金融竞争力若干指标，对我国汽车金融产业的生产要素、国内需求、支持性产业和相关产业、公司结构、战略和竞争分析进行分析。研究发现我国汽车金融产业竞争力存在复合型汽车金融人才匮乏、资金来源限制多、消费征信制度缺失、汽车信贷产品单一、市场开发不够，产业集中度低等问题。最后从产业政策、法律制度与监督管理三方面提出了汽车金融产业竞争力的提升对策。
본문이기차금융위독립금융산업，재파특찬석모형기출상인입금융경쟁력약간지표，대아국기차금융산업적생산요소、국내수구、지지성산업화상관산업、공사결구、전략화경쟁분석진행분석。연구발현아국기차금융산업경쟁력존재복합형기차금융인재궤핍、자금래원한제다、소비정신제도결실、기차신대산품단일、시장개발불구，산업집중도저등문제。최후종산업정책、법률제도여감독관리삼방면제출료기차금융산업경쟁력적제승대책。
The paper takes auto finance as an independent industry, introducing index of financial competitiveness into Porter Diamond Model and analyzing China＇s Auto Finance based on producing elements, domestic demand, supportive and relate industry, structure of company, strategy and competitiveness. It holds that there are problems of lack of compound talents and credit reporting system, limits of capital source, single product, developing market and low industrial concentration. At last, it provides some suggestions about industrial policy, legal system and supervision to enhance industrial comoetitiveness of China＇s auto finance_