With the continuous development of intelligent transportation systems ( ITS ), vehicular communication, as its vital technology, has received increasing attention. As the propagation channel of vehicular communication, the characteristic analysis of wireless channel is fundamental. This paper studies the signal propagation model of a mobile car passing through a base station. Based on the theory of scattering clusters, a narrowband single-loop model suitable for large-scale multiple-input multiple-output ( MIMO) channels is established. By setting the scattering cluster parameters that match the actual scene to simulate and analyze the channel, the model will be more in line with the characteristics of the actual channel and have a better evaluation effect than the classic single-loop model. In the simulation model, the time autocorrelation function ( ACF), spatial cross-correlation function and frequency crosscorrelation function (FCF) of the channel are mainly studied. At the same time, a comparative analysis of different scattering cluster scenes proves that the model is more practical.