racing to rescue

Never before have we had so much choice within the car insurance market. Car insurance is now readily available form a wide variety of convenient source including banks and building societies such as Santander, online only insurers and supermarket financial services. What’s more, there are an enormous number of different policies to weigh up and decide between. This vast amount of choice means that there ought to be a good value car insurance policy for everyone.

You should expect to find a car insurance policy that is tailored to meet your particular needs. There is a good selection of companies designed to cater for certain niches within the car insurance market. Whether you are an older driver of 50 years + with a great deal of experience and several years of no claims bonuses, or whether you are a new or learner driver, about to take or having just passed your first driving test, there is sure to be an insurance policy designed to meet your needs.

You should also expect to be able to pay for your insurance in a way that is convenient for you. Most good insurers will give you a range of options and leave you free to make the choice that suits you best. You could choose to make one large annual lump sum payment, you could pay quarterly or you could pay in small monthly premiums taken from your bank account by direct debit.

If you have been with the same insurance provider for several years you should expect to be rewarded for your long term custom. It is worth shopping around to make sure that you are still being offered the best deal available. If you find a quote that beats the price of your current insurance provider, don’t be afraid to let them know and ask if they are prepared to better it.

Replacement Mercedes body parts, how to find automotive body parts online

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Home Page > Automotive > Replacement Mercedes body parts, how to find automotive body parts online

Replacement Mercedes body parts, how to find automotive body parts online

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Replacement Mercedes body parts, how to find automotive body parts online

By: Vikram Kumar

About the Author

Shopping for Mercedes body parts has never been easier, Automotix is the one stop shop for all your automotive body parts .

(ArticlesBase SC #1021059)

Article Source: http://www.articlesbase.com/ – Replacement Mercedes body parts, how to find automotive body parts online

There are many people who would love to own a Mercedes Benz, a famous German brand. However these car lovers just don’t know where to find high quality Mercedes body parts that is not only guaranteed but are affordable too. The benefit of owning a Mercedes is that its parts are made in such a way that it can fit other vehicles. So it is imperative to look for a company that sells good quality automotive body parts.

 

There is an online automotive body parts store that offers guaranteed used parts, known as Automotix. A company that provides auto body parts for almost any model car including Mercedes body parts. If you are looking for a reliable place to purchase your automotive body parts, this is the one stop shop for all your needs.

 

By browsing through the large inventory of over 2 million used automotive body parts and accessories, you can find all types of parts such as bumpers, headlights, mirrors, fenders and many more. Everything comes with 1 year warranty and customers can even extend this. Mercedes body parts and other automotive body parts are all original genuine OEM parts to help the environment as they are recycled.

 

Because of the high quality products that are offered on this online store, customers can shop with complete peace of mind for their automotive body parts. Poor quality automotive body parts do not exist in this store. The benefit of shopping on this website is that customers can select various different items for their Mercedes body parts all under one roof.

 

The online catalog is at everyone’s disposal and it can save time and money by searching for all the automotive body parts in one place. We all know searching for the right automotive body parts is very time consuming and a lot of hassle. There is such a lot of options that will leave you confused. Not to mention how prices vary from one place to another. If original parts are chosen, you will no doubt have to pay twice as much as if you buy replacement parts.

 

The aftermarket industry has expanded over the years and offers customers a wide range of automotive body parts for a fraction of the price. This online store has the auto parts for any vehicle model you can imagine. There are no differences in their design and appearance of Mercedes body parts even though it is replacement part.

 

Shopping for your Mercedes body parts has never been simpler than before. With the power of internet, you can now purchase any automotive body part with a click of a button. Without  leaving your house. Everything is delivered right to your door conveniently. Whether you are restoring a vintage vehicle, or rebuilding one from scratch, or looking for replacement automotive body parts you can find them easily and affordably.

 

This great company strives to grow and develop even more to keep up with the auto industry’s demanding needs not to mention customers. They are proud of systematically delivering great products and passionate about the customer relationship to keep them coming back again and again. These customers have continuously depended on them to supply them with Mercedes body parts for many years so there is strong bond between this manufacturer and the consumer. So if you are looking for one of the best automotive body parts store, look no further than the internet to find all you need.

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Shopping for Mercedes body parts has never been easier, Automotix is the one stop shop for all your automotive body parts .

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Mercedes Body Parts are Just as Available as Any Other Automotive Body Parts

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Everybody has a car. They buy cars for their transportation needs. Usually they buy a car with a brand they like. There are many car brands such as Volvo, BMW and Mercedes. Third car brand is a brand of luxury cars. They have luxury cars to look more attractive. Because of this, they like to decorate their car by adding some car accessories in certain parts of their car. If you are one of the luxury car enthusiasts, then you can find accessories and parts from your luxury car online. You do not need to buy a luxury car parts you a good price because you will find car parts According to your car brands with affordable price.
If your car brand is Volvo then you can choose Volvo Parts or Volvo accessories. Your car will look more unique and interesting. You definitely have your dream car design. You can realize it by adding accessories at certain parts. In addition, Volvo Parts also can save your car is damaged. You can change some parts of the car with Volvo Parts. In addition, you can fix your damaged of BMW car brand by replacing some parts of your BMW parts. You can buy BMW parts online. This is because there are a lot of BMW parts and accessories according to the needs of your luxury BMW.
You can imagine that you could buy some of the luxury cars such as Volvo, BMW, and Mercedes with a very affordable price. You will find accessories for your car like it was on an official dealer your car. Besides BMW parts and Volvo parts, you can also get spare parts for Mercedes brand class. You can order Mercedes parts and make this a luxury car look better. You do not need to worry because your luxury car is also compatible with car parts and accessories with affordable price. You do not need a fancy car parts cars and car accessories at a great price because there are affordable car parts and accessories for your luxury car.

Why More People Are Turning To eBay Motors For Wheels And Other Automotive Needs

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Home Page > Automotive > Why More People Are Turning To eBay Motors For Wheels And Other Automotive Needs

Why More People Are Turning To eBay Motors For Wheels And Other Automotive Needs

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Just wondering if I want to sell well know brand cosmetics do I need to register as a business in order to sell them on ebay and be able to purchase them from suppliers. Would love your help

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Why More People Are Turning To eBay Motors For Wheels And Other Automotive Needs

By: Gregg Hall

About the Author

Gregg Hall is an author living with his beautiful wife and family in Navarre Beach, Florida. Find more about tires as well as tires and wheels at http://www.tiresandwheelsdirect.com

(ArticlesBase SC #234749)

Article Source: http://www.articlesbase.com/ – Why More People Are Turning To eBay Motors For Wheels And Other Automotive Needs

Not only does eBay Motors have different models of vehicles available for sale, but they also sell tons of vehicle parts which are listed by make, model, year, and an assortment of other standards.

You will be able to do a comprehensive site search in every individual category and this will direct you to numerous search results. Not all these will relate to exactly what you are seeking, however. Consequently, it is crucial that you constrict your search parameters. In some situations you might prefer to just stick with searching for a particular make of a automobile, such as Mercedes Benz, then tapering your search according to which model or year that you favor.

You search for car or truck parts in a like-minded manner, or SUVs, motorcycles, collector’s cars and so forth. There normally are parts for any type of vehicle conceivable catalogued on eBay Motors, and likewise quite a few diverse models of just about every make of car, both foreign and domestic.

In addition to having a great aution site, eBay Motors also has a community that is planned to bring both buyers and sellers together. For instance, there are forums in which the participants discuss all subjects of buying and selling that concerns motor vehicles on eBay Motors. On that point there are also chat sessions where you are able to join in just for the fun of it and to obtain all kinds of assistance and support from other eBay members.

Blogs and common interest groups are an additional means to unite eBay motors and other eBay members. In addition, an answer center forum and help guide is accessible on the eBay Motors web site, along with a feedback forum. All of this will assist people who are searching for recommendations and who need assistance navigating through the eBay Motors site.

Still another way to find auto parts on the EBay Motors site is to narrow down your search even to a greater extent. For example, you can first click on a particular category. For instance, you might want to search in “BMW” and then you will be able to make that search even more specific.

Using the example from the previous paragraph, you have an assortment of methods to attain a greater number of relevant search results while refining the total amount of search results. For example, you can click on a sub-category such as “745″ or “325″, which are two of the models of cars listed under the heading “BMW”.

Other methods to make your search results more specialized is to search according to a particular time and date that certain auto auctions end, or by a certain price range. You might likewise want to only deal with eBay members who use PayPal, so you can taper your search this way as well. Another very significant aspect of searching for an automobile, truck, motorcycle, or automotive parts and accessories is to find those of a particular desired condition. For instance, a lot of people favor new cars but will settle for used ones that are in good shape since they are generally quite a bit more inexpensive.

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Gregg Hall is an author living with his beautiful wife and family in Navarre Beach, Florida. Find more about tires as well as tires and wheels at http://www.tiresandwheelsdirect.com

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Experts said the automotive supplier to be able to endure loneliness

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Home Page > Business > Home Business > Experts said the automotive supplier to be able to endure loneliness

Experts said the automotive supplier to be able to endure loneliness

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Experts said the automotive supplier to be able to endure loneliness

By: qoqo

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I am an expert from China Crafts Suppliers, usually analyzes all kind of industries situation, such as finnish birch plywood , medium density fiber board.

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Article Source: http://www.articlesbase.com/ – Experts said the automotive supplier to be able to endure loneliness

From Shanghai Silicon Intellectual Property Exchange Center hosted the fifth China International Auto Electronic Products and Technology Exhibition & Automotive Industry Forum (AES2009) the theme of “New Automotive Power Energy Auto. “New energy vehicles, safety management, communication and navigation workshops, information entertainment is this year’s AES key technical topics. However, to enter the automotive electronics market, local companies, a pioneer who gave good advise: to sink to heart loneliness.

Local participation to speed up the process of narrowing the gap

Tianjin FAW Toyota Motor R & D center Wang Zheng Qiang, deputy chief engineer of “business-to-vehicle automotive electronic technology and supply chain considerations” as the subject said that in 2008 China Auto Parts Sell Income of about 920 billion, accounting for 42.7% of GDP automotive industry. Of these, 17% of foreign-funded enterprises have created 41% of the value, higher value-added automotive components is basically controlled by foreign capital. If high-pressure common-rail / gasoline direct injection, automatic transmission / ECU computer and other key components are to be imported.

Present, no one can do the domestic car companies all electronic products, many manufacturers do, and equipment were profit-oriented entertainment system and the number of individual products such as Parking sensor And so on. Into the core area of a small number of domestic manufacturers are only in the development phase, does not have the ability to mass production as well as business. Zheng Qiang Wang believes that the current component and vehicle manufacturers, system vendors a lack of communication, there is no formation of a platform, but despite all levels of government to actively support such as parks, incubators and other forms of the effect is not prominent.

The industry R & D in China is 4.97 billion yuan, accounting for only 0.66% of sales. Bosch is one of 3.678 billion U.S. dollars on the investment, the fiscal year 2007-2008 accounted for 10.2% of income. Zheng Qiang Wang said, “Overall, we and the world the gap between the level of automotive electronics not just a few years behind it.” Zheng Qiang Wang said that China wants the core technology in the automotive electronics breakthroughs necessary to digestion and absorption combined with the original innovation such as the domestic industry in airbags, CAN vehicle bus technology development has been relatively mature areas of innovation need to be competitive self, unable to bear the lonely field of automotive electronics companies want to accomplish something very difficult.

Domestic industry into the core areas of automotive electronics really is now in progress. Czech Republic, according to SAIC’s Shanghai Automotive Co., Ltd. Director of Fan Xiaosong can introduce, SAIC and Shanghai Automotive jointly invested in Shanghai earlier this year, Dresdner, to focus on hybrid and electric vehicle power system integration and control of integrated development. Shanghai Jie can hope to rely on SAIC Technology Center vehicle development capabilities, and close co-SAIC system for electric drive vendors transmission technology R & D, to create completely independent intellectual property rights of the electric drive transmission R & D, manufacturing and application system ; the same time, through extensive Cooperation Develop battery systems, power electronics, and other supporting parts; and carry out the services and products supporting the development of new technology development.

Fan Xiaosong said that the Shanghai municipal government fully support the call for the development of new energy vehicles, by the SAIC Division, the development of new energy vehicles in Shanghai from Dresdner to developed to gradually replace the traditional internal combustion engine hybrid drive technology core products and pure electric drive technology mission, there are already more than 40 R & D team first developed a remote monitoring system, new energy vehicles, and successfully in the 20 Beijing Olympic Games special vehicle applied. In addition, in 2010 at the Shanghai Expo will be held with 100 special cars. According to the plan in 2010, SAIC will own brand of hybrid car market, strong 2012 plug-in hybrid cars, electric car market. Fan Xiaosong said, has been with SAIC, Shanghai New Energy Leading Group Office vehicle to promote the signing of the agreement, the Shanghai World Expo 2010 will provide, including electric, super capacitors, fuel cells and hybrid vehicles nearly four door kind of new energy vehicles.

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For Handan Automotive Market This Year To “overhaul”

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Home Page > Business > Strategic Planning > For Handan Automotive Market This Year To “overhaul”

For Handan Automotive Market This Year To “overhaul”

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For Handan Automotive Market This Year To “overhaul”

By: frbiz2@foxmail.com

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I am China Manufacturers writer, reports some information about rasheed wallace shoes , bakers shoes store.

(ArticlesBase SC #3550945)

Article Source: http://www.articlesbase.com/ – For Handan Automotive Market This Year To “overhaul”

People sick to the hospital, car broke down to Auto Repair Outlets. But, for the increasingly large car owners, the city’s Vehicle Maintenance Detect Market , So that owners can rest assured? Recently, the reporter on city vehicles Service Detection of the market made a survey and visited authorities. The results show that the situation is not optimistic. Related Reading: Black silk underwear white breast is emptied of its car models to be revealed (Photos)   More exposure to more than car models animal beast out of frantically filmed for the Bo Yanzhao [map]

Said vehicle maintenance, vehicle owners must first think of 4S stores, 4S shop of course good, but too expensive. Many car owners naturally turn their attention to vehicle maintenance and inspection points, but their distress is whether these automotive repair checkpoint qualification, it is difficult to judge.

This, the Municipal Transportation Bureau Yunguan Chu Ju Guanke chief of excellence, said Cao, now, the city vehicle maintenance and inspection market through a unified national qualification examination to obtain evidence of the staff of 306 people. Three of the city market area Auto Service made “Road transport operators license” has 98 auto repair stores. Reporter also registered from the Industry and Commerce Administration Branch informed that three of the city area has been registered with the company’s automotive business nature is only 39.

As individual businesses engaged in automotive, Industry and Commerce Administration Registration Branch staff explained, individual businesses are not registered with the council, they belong to various industrial and commercial sub-range of business functions of the section.

Then, the city’s three districts in the end how many auto repair individual industrial and commercial tenants? Think about the size of the street on both sides of the urban automotive stores, Fu River River Avenue, Example River Road, Union Textile Road, construction of Avenue … … size of the auto repair stores all over the street. It would appear that no qualified automotive store far more than the figures obtained the “road transport operators license” for 98 auto repair stores. In addition to automotive

individual businesses, the reporter also found that many operators are engaged in auto repair auto parts store. Cao told reporters of excellence, which are all illegal, these stores accessories, technology, security and so not guaranteed.

Market for automotive testing mixed status, city Yunguan Chu city Auto Service industries under the actual circumstances, decided to launch a citywide this year, “car-year maintenance and inspection market governance” activities.

Recently, Cao talents to “carry out vehicle maintenance and inspection program of activities for market control,” show it with reporters and explained that the Activities of four stages, namely the mobilization preparation, investigation, according to the law, summary acceptance. Management priorities include illegal, and maintenance personnel are not certificates, the use of fake and shoddy maintenance of motor vehicle accessories, parts maintenance or unauthorized modifications have been abandoned motor vehicles, safety systems and operating rules are not perfect in the industries such as 8. The “illegal” contains three kinds of situations, one does not obtain motor vehicle road transport authorities maintain a business license, the second is the use of invalid, forged or altered motor vehicle repair business license, the three issues is beyond the permit.

“Program” shows that, from May 1 to October 31, Ju Guanke joint operation will be investigated thoroughly, and government inspectors to seize the detachment on the illegal point according to law. Not allowed to open outlets do not meet the conditions; in accordance with relevant laws and regulations on the existence of illegal business activities of the administrative penalty; ban a number of illegal business operators; focus of safety, equipment, production, parts of four aspects of supervision and management; vigorously employees training, examination and certification work, regularly carry out training for new technology business.

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Are you an automotive fan? Are you keeping the car in your garage? The car is a very useful vehicle for many people. You can go anywhere you want with your driving. All you have to do is think about your goal, then press the gas and control your car. You could walk around freely with your car. However, you also must consider the needs of your car. You must maintain your car with the correct method. One form of attention to the car is to check every part of the car. Did you see the car you get what its need? If you feel that you have to fix certain parts of your car, then you have to buy new equipment. What kind of car you? Do you have a Volvo? Of course, you have to change gear the car with your car type. Currently you can buy Volvo Parts with ease. You only need to browse on the internet and order car parts you need. It is a practical way of shopping.

You also can buy BMW Parts from suppliers online. It allows you to meet the needs of your car. Make sure that you have been thinking about the parts that will be modified so that you will not be difficult to buy car parts you need. You also need to know to buy these products, so you have to buy them directly, meaning you do not need an intermediary. Of course, it is a great way to meet the needs of customers so that customers do not feel disappointed. You also certainly hope that you can get the accessories you need in a short time. In addition, Mercedes Parts are available for you. You do not need to doubt these products because you can choose the right brand to improve the look of your car.

What can SEO do for your automotive business?

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Home Page > Automotive > Cars > What can SEO do for your automotive business?

What can SEO do for your automotive business?

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What can SEO do for your automotive business?

By: Rick Li

About the Author

Dealer Template Inc, we are your automotive web design and SEO firm of choice. With many years of automotive web development and SEO experience we can help you reach your full potential at a fraction of the cost compare to the big names. Visit us online at http://www.dealertemplate.ca or http://www.dealerelites.com for complete details.

(ArticlesBase SC #2770844)

Article Source: http://www.articlesbase.com/ – What can SEO do for your automotive business?

If you are reading this article, you probably are aware of just how competitive the automotive business can be, and you are looking for ways to give yourself a business edge over your competitors. It’s easier said than done of course, there are many factors come into play when you want to out perform your competitors. One of the most commonly forgotten areas in this technology race is the proper usage of SEO or “Search Engine Optimization” techniques to out rank your competitor on Google. We all want to be the first on the list when it comes to your own business, but getting there in cyber space is not quite the same as in the real world. If your business is relatively new or your domain age is relatively short, you probably have very little exposure on Google when your target key phrase is searched. But with proper SEO applied and little patience you can change all that for the better.

You, like many other dealer principles probably hired a web developer or firm to design your web site to be as flashy as possible, but over usage of graphics and flashy headers can actually hurt your Google ranking. Because the Google bots treat flash files and graphics as a block of blank content, having a web site that is heavy on graphic elements will translate to confusing Google of your business model and poor search results.
Another good reason to minimize on flash and graphics is due to the size of the files; generally speaking flash files are heavy on size, which in turn will delay the transmission time from your server to the client’s computer. With today’s high speed modems you may not notice this issue until you are using a dial up to connect to your web site, remember there are still many people in the world that is still on dial up modem access to the Internet. If you must have the flash or graphic files on your web site, you should use the proper “ALT” tags to explain to Google what the files are all about. Using the ALT tag in your HTML on images will index your image into Google image search. This can be a surprising source of traffic when you look at your overall exposure.

Hire the right SEO company to optimize your web site, make sure they have good references and solid customer service. SEO can be very touchy subject, without proper knowledge of this type of work can actually hurt your ranking rather than boosting it. Make sure your SEO firm is using good or “White hat” SEO practices where they are building your inbound links by hand, and by human. There are short cuts in the SEO world where you can run certain scripts to generate hundreds of inbound links in hours. Google is more intelligent than you think; having Google thinking you are using “Black hat” or hacker’s approach to PageRank can literally be a death sentence to your web site as well as your online business.

This article is brought to you by Dealer Template Inc; we are your automotive web design and SEO firm of choice. With many years of automotive web development and SEO experience we can help you reach your full potential at a fraction of the cost compare to the big names. Visit us online at http://www.dealertemplate.ca or http://www.dealerelites.com for complete details.

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Dealer Template Inc, we are your automotive web design and seo firm of choice. With many years of automotive web development and SEO experience we can help you reach your full potential at a fraction of the cost compare to the big names. Visit us online at http://www.dealertemplate.ca or http://www.dealerelites.com for complete details.

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A Description Of Several Automotive Jobs

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Home Page > Automotive > A Description Of Several Automotive Jobs

A Description Of Several Automotive Jobs

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A Description Of Several Automotive Jobs

By: Louise G

About the Author

The author is an expert in the field of automotive and extensive knowledge to help those seeking careers in automotive. Areas of expertise in fact include any qualified route to finding automotive jobs. To search and apply for thousands of automotive jobs go to http://automotivejobs1.co.uk

(ArticlesBase SC #3265497)

Article Source: http://www.articlesbase.com/ – A Description Of Several Automotive Jobs

One sort of career for many individuals is working in the automotive industry. This sort of work will include tasks which are directed to correcting any problems with cars, maintaining the cars working condition and providing various kinds services for the vehicles.

Becoming an auto mechanic means that the person will be a professional who can resolve all car problems. A mechanic will be expected to complete many tasks, which will depend on the health of the automobile and its demands and or preferences of the customers.There are lots of auto mechanics who may just specialize in certain areas such as trouble shooting all aspects of cars, body work, brakes, engines, wheels, transmissions and several other parts of a car too. These mechanics will have their own garages or may even work for automobile manufacturers or service centers.The main purpose for any auto mechanic is to repair problems which may be present in vehicles. They will get service calls from many customers regarding problems that may exist with their cars. Some of these mechanics even engage in services calls for cars and trucks that are broken down on the streets and highways.An auto mechanic needs to be possess some technical abilities which you can use whenever he or she needs to diagnose the causes of any problems that are found with trucks or cars. These types of mechanic have to be equipped with several kinds of advanced tools to utilize in order to make any repairs.The mechanics job will require that he / she manage to complete such tasks as engine oil changing, refilling any fluids, tuning up the cars engine, brake setting, examining and changing hoses and belts and several other things as well. Then after the task are complete the mechanic will then need to test drive the car to ensure that the problems no longer exist.A mechanics salary will be in line with the persons expertise and experience. Most of the time a mechanic is envisioned having four years of experience in this field. Many auto mechanics who are self employed make better money than those who work for other companies.
Ultimately the majority of automotive jobs are just grease monkey jobs and not likely to be very well paid, if you do not mind being thick with grease and dirt then this could be a great job for you.

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About the Author:

The author is an expert in the field of automotive and extensive knowledge to help those seeking careers in automotive. Areas of expertise in fact include any qualified route to finding automotive jobs. To search and apply for thousands of automotive jobs go to http://automotivejobs1.co.uk

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Shopping online has become a common way today. Besides easy, online shopping will help you to save you time. Opening an online store business may become a profitable business for you. Now many people who use Internet services, to play games or find the information it needs. More and more people are using internet service, and then open the online store will be more profitable for you. If you decide to open an online store, then you will need courier services to deliver the goods you sell to people who order it. No matter how much people who book your cargo, courier service will help you to deliver your customer orders the goods directly to his home. Even large items will be delivered. This service will help you to streamline your business. With the quick delivery of goods, the store you will earn the trust of customers.

Courier service is not only a bus used by a businessman of online stores that will deliver the goods. If you want to send stuff to your friends and relatives wherever they are, courier service will help you to deliver the goods quickly. Any goods that you deliver, courier service will help you. You can find courier services through the Internet and use his services. If you need this now, then you can visit sites that offer this service now.

THE IMPACT OF BANK CONSOLIDATION ON AUTOMOTIVE INDUSTRY FINANCING IN NIGERIA

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Home Page > Automotive > THE IMPACT OF BANK CONSOLIDATION ON AUTOMOTIVE INDUSTRY FINANCING IN NIGERIA

THE IMPACT OF BANK CONSOLIDATION ON AUTOMOTIVE INDUSTRY FINANCING IN NIGERIA

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THE IMPACT OF BANK CONSOLIDATION ON AUTOMOTIVE INDUSTRY FINANCING IN NIGERIA

By: Chukwukere Chidozie Godwin

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(ArticlesBase SC #1301035)

Article Source: http://www.articlesbase.com/ – THE IMPACT OF BANK CONSOLIDATION ON AUTOMOTIVE INDUSTRY FINANCING IN NIGERIA

Abstract

 

The study examined the impact of bank consolidation on automotive industry financing.

61 respondents selected through strategic random sampling technique from GM Motors Nigeria Ltd formed the population for the study.

Data was collected using a survey instrument designed by the researcher. Chi-Square Statistical method was used to test the hypotheses and all findings held at 0.05 alpha significant level. The Analysis of the data revealed that the participants almost unanimously agreed that bank consolidation had impacted positively to the automobile sector in Nigerian economy.

Based on the findings, it was therefore recommended among others things that a regular review of automotive industry in Nigeria by the appropriate authorities while effort should be made to improve the power system (electricity situation) in Nigeria.

 

INTRODUCTION

Background of the Study

Mergers and acquisitions should be taken seriously as an instrument for enhancing banking efficiency, size, and developmental roles in every economy. Mergers and acquisitions especially in the banking industry is now a global phenomenon.

All over the world and given the role of finance, size has become an important ingredient for success in the globalizing world. The last few years have witnessed the creation of the world’s big banking groups through mergers and acquisitions. The trend has been influenced by factors such as prospects of cost-savings due to economies of scale as well as more efficient allocation of resources, enhanced efficiency in resource allocation, and risk reduction arising from improved management. However, the automotive industry is not left out in the process of alliances. Over the years the industry has witnessed different types of global alliances. For instances Renault- Nissan, VW-Skoda, GM-Daewoo to mention a few them

In the past, the small size of most Nigerian banks, each with expensive headquarters, heavy fixed costs and operating expenses and with bunching of branches in few commercial centers had lead to very high average cost for the industry. This in turn has implications for the cost of intermediation, the spread between deposit and lending rates, and puts undue pressures on banks to engage in sharp practices as means of survival. In an effort to survive the hurdle, the Central Bank of Nigeria introduced the 25 billion Naira minimum capital base for banks in an effort to make our banks much stronger and to able to compete favorably with other banks in the world in providing credit facilities to other sectors of Nigeria economy.

However, in 2004 as part of economic reform in some emerging economies, the Nigerian banking system underwent remarkable change, in terms of the number of institutions, ownership structure, as well as depth and breadth of operations. Banks begin to merge with other banks; while bigger banks begin to acquire smaller ones while automotive industry has become an increasingly pertinent contributor to country’s’ gross domestic product, mainly through strong growth in the motor industries in terms of increasing volume of local production and number of sales. And this is not peculiar to Nigeria alone.

This scenario raises the question “what impact of banks consolidation on automotive industry financing in Nigeria? It is important to envision this evolution from a life cycle of production assembly and sales that have impacted on the financial statements of GM Motors Nig LTD. In order to sustain this process, the automotive industry as a whole requires huge capital intensity from strong and reliable financial back- up to remain viable in the economy and optimize their environmental impact, communicate positive steps to non-governmental organization and other stakeholders to discharge their social corporate responsibilities while maintaining design of product, service system from a sustainability point of view. Hence this work is set to assess the impact of bank consolidation and capital provision for the automotive industry financing in Nigeria (A case study of GM Nigeria ltd)

COOPERATE PROFILE OF GM MOTORS LTD

GM Nigeria is a foremost player in the automotive industry and one of the leading motor vehicle assemblers and marketers in the country. GM Nigeria is a joint venture company between UAC of Nigeria Plc – one of the biggest conglomerates in Nigeria and General Motors Corporation of Detroit, the world’s largest automobile manufacturers. The relationship of these two companies gives them the best support and advantage in all facets of their operations, i.e. Sales, Parts, Services and Assembling.

About GM Global
General Motors Corp. (NYSE: GM), the world’s largest automaker, has been the global industry sales leader since 1931. Founded in 1908, GM today employs about 321,000 people around the world. It has manufacturing operations in 32 countries and its vehicles are sold in 200 countries.  GM’s automotive brands are Buick, Cadillac, Chevrolet, GMC, Holden, HUMMER, Oldsmobile, Opel, Pontiac, Saab, Saturn and Vauxhall. In some countries, the GM distribution network also markets vehicles manufactured by GM Daewoo, Isuzu, Subaru and Suzuki

Brief History of GM Motors in Nigeria

1920 – Started as a Company called Miller Brothers Nigeria Limited which imported cars in to West Africa

1927 – Started importing completely assembled Bedford commercial vehicles into Nigeria.

1929 – Became the Motors Department of then UAC, now known as UACN Plc

1931 – Name changed to Niger Motors Limited. Continued importing built vehicles.

1949 – Commercial Vehicles were shipped in as double unit packs which contained partially assembled chassis for two vehicles in one pack and the wheels in the second pack to be assembled locally.

1959 – Established Nigeria’s First Vehicle Assembly Plant at Apapa. The Company assembled the popular Bedford Trucks of various models.

1965 – The Assembly Plant was renamed Federated Motors Industries, Then popularly known as “FMI” and the distribution arm remained “Niger Motors”.

1979 – FMI started the assembly of trucks from “completely knocked down” (CRD) components.

1980 – The Federal Government accorded FMI the “Progressive Vehicle Manufacturer” status, under the Approved User Scheme. This nomenclature was to attest to its high standard and quality products at that period. FMI and Niger Motors were converted into divisions of UACN Plc.

1991 – UACN Plc and General Motors Corporation of USA incorporated GM Nigeria Limited as a Joint Venture Company. The Assets of FMI and Niger Motors were then transferred to GM Nigeria Limited.

Vision

To be number one in the commercial segment of the automotive industry by providing exceptional value to our customers.

Mission

To provide automotive products of such quality as to enable our customers enjoy superior value while delighting other stakeholders

Incorporation and Address

GM Nigeria Limited is incorporated in Nigeria under the Companies & Allied Matters Act 1990 as a private limited liability company, and domiciled in Nigeria. The address of its registered office is:
31, Mobolaji Johnson Street ,
Oregun Ikeja, Lagos .

Principal Activities

The principal activities of the company are: assembly of SKD (Semi Knocked Down) motor components to produce medium and heavy commercial trucks, importation of FBU (Fully Built Unit) pick-ups, marketing and distribution of vehicles through its network or branches and dealers nationwide. The company provides product support for parts and service at its Oregun plant, Port Harcourt branch, Abuja branch and through its numerous Parts and services dealers. The company is also involved in provision of technical training for employees, dealers and fleet customer’s personnel.

The company’s product range includes Isuzu Light, medium and heavy commercial vehicles (all with various body applications).

 

Shareholding Of Gm Nigeria Ltd

According to the register of members at 31st December, 2007, the following shareholders of the company held…