China National Heavy Duty Truck Finance Company has achieved good results in the auto finance business of 20 1 1. First, the development of auto finance business is in good condition. On 20 1 1, 326 1 various types of cars were sold with consumer credit. Second, financial risk control measures have been put in place and asset quality has maintained a good momentum. Third, regional expansion is progressing smoothly. The number of regional sales offices has expanded to 20, and auto finance business has spread all over most parts of the country. Fourth, the variety of auto finance business has been increased, and new businesses such as auto finance leasing have been launched. In 20 12, the scale of consumer credit of China National Heavy Duty Truck Finance Company will be further expanded. Auto finance business will usher in a new stage of development. According to the overall development strategic planning of the group company and the planning requirements of the great project of "second venture", the finance company will conscientiously implement the "Twelfth Five-Year Plan" of the finance company, give full play to the leading role of the financial sector of the finance company, effectively promote the sales of the group car by using the auto finance platform, and further improve its contribution to the group's benefits. In 20 12, the development ideas of auto finance business of finance companies are: strengthening marketing, optimizing business processes, standardizing business operations, innovating service varieties, consolidating basic management, effectively controlling risks, improving service efficiency, improving team quality, ensuring the completion of various KPI indicators of auto finance business, and making every effort to promote the auto finance business of finance companies to be superior, bigger and stronger. Its business covers other parts of the country except Tibet; At the operational level, the advantages of car loan insurance consumer credit, guarantor's comprehensive credit consumer credit and guarantor's comprehensive credit financing lease business are studied. Under the condition of not increasing the risk of the finance company, we will meet the business operation needs of users and distributors as much as possible to ensure business growth and efficiency improvement.