一、汽车金融服务盈利模式概述国外汽车金融业务产生于20世纪初期,经过近百年的发展,美国、日本等发达国家已逐步形成了服务主体多元化、服务产品多样化、服务范围广泛化的汽车金融服务体系。汽车金融机构主要有汽车生产厂商设立的汽车金融公司、商业银行以及其他信用中介机构 I. Overview of Automobile Financial Services Profitability Models The auto finance business in foreign countries originated in the early 20th century. After nearly a century of development, the developed countries such as the United States and Japan have gradually formed vehicles with diversified service providers, diversified service products and a wide range of services Financial service system. Automobile financial institutions mainly include automobile finance companies established by automobile manufacturers, commercial banks and other credit intermediaries