Automobile Financial Service in China's Mainland

China is considered as the potential automobile financial service market throughout the world. However, the actual market is still less developed nowadays. This paper concentrates on the problems and seeks to discover some explanations of this phenomenon. The structure of this paper can be divided into four parts. After a brief introduction and background of the situation in China automobile financial services market, the two hypotheses are assumed. Subsequently, the questionnaire and depth interview are both conducted to validate and collect primary data. SPSS have been used to analyze the data and finally get the conclusions about the brief reasons of the impropriety of China automobile financial services.