摘要
早在上个世纪初，西方发达国家就十分重视企业的竞争能力，在理论和实践方面
都进行了大量的研究。而我国竞争能力方面发展的相对缓慢，进入到新世纪以来才逐
渐得到广泛的重视。企业面临环境的日益复杂化，很多企业在经营中最终出现了困境
都是由于竞争能力出现了问题而形成的。随着我国汽车欧亿·体育（中国）有限公司的高速发展，汽车金融也
应用而生。但是我国汽车金融公司由于面临的环境日益复杂化，很多汽车金融公司既
面临着激烈竞争的外部环境，又面临着内部经营管理不足等问题，因此发展的极为缓
慢，很多汽车金融公司在竞争中面临着重重的困境。从而要求各个汽车金融公司提高
自身的竞争能力，降低自身的经营风险。因此，竞争能力已经成为企业管理的关键所
在。近期，我国很多汽车金融公司正在逐渐提高竞争意识，结合自身实际情况制定竞
争对策，对于完善自身的竞争体系起到了一定的促进作用。

本文以竞争战略的概念和理论为基础，采用文献研究法、案例研究法以及实地调
研的方法，对HMX汽车金融公司竞争对策问题进行了研究，采用PEST分析、五力
模型等分析法全面分析了HMX汽车金融公司的内部条件和外部环境，在对HMX汽
车金融公司竞争对策发展现状的基础上，指出了其目前竞争对策中存在的问题，并通
过SWOT分析，得出了适合HMX汽车金融公司的竞争对策选择，即差异化竞争对
策，最后提出了HMX汽车金融公司竞争对策的实施与保障措施，即健全公司治理结
构、建立良好的企业文化以及加强人才队伍的建设，对于解决HMX汽车金融公司发
展中遇到的瓶颈，提高其核心竞争能力，从而实现HMX汽车金融公司可以更好的经
营下去，对其经营和管理的完善提供了参考。

本文的创新之处在于将竞争战略理论与HMX汽车金融公司自身实际需要相结
合，通过对HMX汽车金融公司进行深入的考察，全面梳理HMX汽车金融公司内外
部环境，剖析其优劣势，从而制订科学的竞争对策。

本文共包括六个大部分：
II
第一部分是绪论部分。本部分主要从三方面阐述：首先阐述研究背景与选题意义；
其次分别阐述本论文的研究现状和研究方法。

第二部分是理论概述部分。本部分主要从三方面阐述：首先阐述了竞争战略理论
的概念；其次对竞争战略演进历以及理论模型等进行介绍，为本文奠定了理论基础。

第三部分对HMX汽车金融公司概况进行介绍，从外部环境和内部环境两个方面
对HMX汽车金融公司竞争环境进行分析。

第四部分对HMX汽车金融公司进行SWOT分析，从分析的结果出发，深入剖
析了其优势与劣势，并且根据其总体竞争目标，最终提出了差异化的竞争对策。

第五部分针对上述的分析，分别从健全公司治理结构、建立良好的企业文化以及
加强人才队伍的建设等几个方面提出了改进的措施。

第六部分是本文的结论。

关键词：汽车金融，竞争对策，HMX公司
III
Research on the competitive strategy of HMX automobile
finance company
Abstract
As early as the beginning of last century, the western developed countries attached
great importance to the competitiveness of enterprises, and carried out a great deal of
research both in theory and practice. However, the development of our country&39;s
competitive ability is relatively slow, and it has been paid more and more attention since
the beginning of the new century. Enterprises are facing the increasingly complex
environment, many enterprises in the operation of the final plight, all because of the
emergence of competitive power problems. With the rapid development of China&39;s
automobile industry, automobile finance has also been applied. But China&39;s auto finance
company faced with more complex environment, a lot of auto finance company is facing
fierce competition in the external environment, but also facing the problem of lack of
internal management, so the development is very slow, a lot of automobile finance
company is facing difficulties in the competition. Therefore, each automobile finance
company is required to improve its competition ability and reduce its operation risk.
Therefore, competition has become the key to enterprise management. In the near future,
many automobile finance companies in China are gradually improving their competition
consciousness and making competitive strategies according to their own actual situation.
They have played a certain role in promoting their own competition system.
This paper is based on the concept and theory of competitive strategy, using the
method of literature research, case studies and field research methods, the HMX auto
finance company competitive strategy is studied, using PEST analysis, five forces model
analysis method to analyze the internal conditions and external environment of HMX
automobile financial company, based on the HMX the automobile finance company
competitive strategy development present situation, points out the problems existing in the
current competitive strategy, and through the SWOT analysis, the strategic choice for the
HMX auto finance company, namely the difference competition strategy, and finally put
forward the implementation and safeguard measures of the competitive strategy of HMX
IV
auto finance company, which is a sound corporate governance structure and establish a
good corporate culture and strengthen the talent team construction, to solve the bottleneck
of HMX auto finance company development, improve the The core competition ability,
thus realizes HMX automobile finance company to be able to carry on the management
better, provides the reference for its management and the management consummation.
The innovation of this paper lies in the theory of competitive strategy and HMX auto
finance companies combine their actual needs, through in-depth study of HMX automobile
financial company, combing the HMX automobile financial company internal and external
environment, analyzes its advantages and disadvantages, so as to formulate the scientific
competitive strategy.
This thesis consists of six parts:
The first part is the introduction. This section mainly expounds from three aspects:
first of all, the research background and significance of the topic; secondly, expounds the
research status and research methods of this paper.
The second part is an overview of the theory. This section mainly expounds from
three aspects: first of all, the concept of competitive strategy theory is expounded; secondly,
the competitive strategy, evolution and theoretical model are introduced, which lays the
theoretical foundation for this article.
The third part introduces the general situation of HMX automobile finance company,
and analyzes the competitive strategy environment of HMX automobile finance company
from two aspects of external environment and internal environment.
The fourth part SWOT analysis of HMX automobile financial company, starting from
the results of the analysis, in-depth analysis of its advantages and disadvantages, and
according to the overall competitive strategy goal, finally put forward the competitive
strategy of differentiation.
The fifth part of the above analysis, respectively, from the sound corporate
governance structure, establish a good corporate culture, and strengthen the construction of
personnel team and other aspects of the improvement measures proposed.
The sixth part is the conclusion of this paper.
Key Automobile finance， Competitive strategy， HMX company
III目录
摘要 ... 1
Abstract ........ III
第1章 绪论 . 1
1.1 选题背景与研究意义 ........ 1
1.1.1 选题背景 ...... 1
1.1.2 选题意义 ...... 2
1.2 国内外研究综述 .... 3
1.2.1 国外研究综述 .......... 3
1.2.2 国内研究综述 .......... 5
1.3 研究方法 .... 6
1.3.1 文献研究法 .. 6
1.3.2 实地调查法 .. 6
1.3.3 案例研究法 .. 6
1.4 研究内容与结构 .... 7
第2章 相关研究理论综述 . 8
2.1 竞争对策概述 ........ 8
2.1.1 竞争对策的概念 ...... 8
2.1.2 竞争对策管理思想的发展历程 ...... 8
2.2 竞争对策的相关理论模型 .......... 10
2.2.1 PEST模型 ... 10
2.2.2 五力模型 .... 11
2.2.3 SWOT模型 . 12
2.3 汽车金融的相关理论 ...... 12
2.3.1 汽车金融的概念 .... 12
2.3.2 汽车金融的模式 .... 12
第3章 HMX汽车金融公司现状分析 ..... 14
3.1 HMX汽车金融公司简介 . 14
3.2 HMX汽车金融公司主要业务 ..... 14
3.2.1 个人消费贷款 ........ 14
IV
3.2.2 批发贷款 .... 15
3.2.3 融资租赁业务 ........