Abstract: The automobile financial service is in the auto sale, the use process, provides financing and other financial service by the automobile financial service company to the consumer or the dealer, including to dealer's stock financing and to user's expense credit or leveraged lease and so on. In the European and American developed country, the automobile financial service undergoes hundred year development, at present has become is only inferior to the real estate finance second big individual financial service project, every year's average growth rate about 3%. At present in the world every year in nearly 1,300,000,000,000 US dollar auto sale total amount, automobile financial service financing is about 1,000,000,000,000 US dollars, approximately composes 70%. Our country's automobile industry has experienced several dozens year development, experienced has grown out of nothing, from sole variety to covering extensive fields variety development phase. However, our country automobile industry compared with the Western developed country still had the enormous disparity. The analysis has these disparity primary cause is the financial operation plaque deficiency, in the automobile industry industrial chain most has the value automobile finance service industry to lag by far in the Western country, this becomes China automobile industry development the bottleneck. This article through profits from the overseas automobile finance operation pattern, elaborated that develops our country automobile financial industry present situation and the countermeasure. key word: Automobile finance overseas pattern countermeasure analysis
