| 汽车租赁：融资租赁的又一“蓝海” |
| 添加时间：2018/1/22 15:56:25 浏览次数： |
| 伴随着新年钟声的敲响，2018年已经到来，融资租赁市场也迈出了新征程的第一步。 With the ringing of the new year's bell, 2018 has come, and the financial leasing market has also taken the first step in the new journey. 过去的一年是中国智能制造、智能创造飞速发展的一年，在 “创新、协调、绿色、开放、共享”五大发展理念的引领下，新能源汽车、轨道交通装备、航空装备等产业实现了质的飞跃。而更多的金融租赁公司、 融资租赁公司 开始积极深挖新兴产业的市场发展潜力，进一步发挥租赁“融资+融物”的功能优势，在推进实体产业向前发展的同时，提升自身市场竞争力与综合服务能力。 In the past year, the development of intelligent manufacturing and intelligent creation in China has been developing rapidly. Under the guidance of the five development concepts of "innovation, coordination, green, open and sharing", new energy vehicles, rail transit equipment, aviation equipment and other industries have achieved a qualitative leap. The financial leasing companies more financial leasing companies, began to dig up the market development potential of emerging industries, to further develop the functional advantages of "Finance + financial leasing", in promoting the development of industrial entities at the same time, enhance their market competitiveness and comprehensive service ability. 汽车租赁市场发展潜力足 The development potential of the car rental market is sufficient 《中国汽车金融行业金融科技应用白皮书》显示，目前汽车金融渗透率已达到35%左右。一直以来，汽车租赁与二手车金融都是汽车金融市场 中发展 相对缓慢的领域。而随着汽车金融成为 新金融 中发展 最为强劲的领域之一，正逐渐成为我国汽车零售产业的重要盈利点。不仅仅是银行和汽车金融公司，第三方的 融资租赁公司 也如雨后春笋般涌现，汽车融资租赁形成了一股蓬勃发展的力量，而汽车金融市场也迎来了前所未有的竞争。 "The white paper on the application of financial science and technology in China's auto finance industry" shows that the current auto financial penetration has reached about 35%. For a long time, car rental and second-hand car finance have been a relatively slow development in the automobile financial market. As the automobile finance has become one of the most powerful areas in the new finance, it is becoming an important profit point of the auto retail industry in China. Not only banks and auto finance companies, but also the third party financing and leasing companies have sprung up all over the world, and car financing leasing has formed a vigorous development force, and the automotive financial market has also faced unprecedented competition. 在激烈竞争的背后是快速发展的汽车租赁市场。皖江金融租赁有限公司总裁刘同安认为，汽车融资租赁的快速发展与国家政策环境的支持，汽车产量保有量的增加、互联网产业的崛起以及居民消费格局的升级都有着密不可分的关联。 Behind the fierce competition is the rapid development of the car rental market. Liu Tongan, President of Wanjiang Agricultural Bank of China Financial Leasing Co, believes that the rapid development of car financing lease is closely related to the support of the national policy environment, the increase of vehicle output, the rise of the Internet industry and the upgrading of the consumption pattern of residents. 汽车融资租赁不仅有力的推动了传统汽车业务的转型升级，更为新兴商业模式提供了有效的支撑。融易学金融学院董事长位少卿在“2017中国汽车融资租赁竞争力高峰论坛”上表示，汽车融资租赁在汽车产业的未来发展中，开始扮演越来越重要的角色。 The car financing lease not only effectively promoted the transformation and upgrading of the traditional car business, but also provided an effective support for the new business model. In the "2017 China Automotive Finance Leasing competitiveness Summit Forum", chairman of the school of Finance and finance, School of Finance and economics, said that vehicle financing lease is playing an increasingly important role in the future development of the automotive industry. 公开数据显示，目前直租性融资租赁的使用率约为11.3%。天津市租赁行业协会会长翁亮表示，在汽车金融渗透率不断提升的过程中，越来越多的融资租赁企业开始涉足这一领域，但是与美国40%的融资租赁渗透率以及与德国21%的融资租赁渗透率相比，国内的汽车融资租赁渗透率相对较低，不到3%，未来的上升空间大，对于所有参与到汽车融资租赁领域的企业来说，是一个潜力巨大的“蓝海”。 Public data shows that at present, the use rate of direct rent financing lease is about 11.3%. President of the Tianjin Leasing Industry Association Weng Liang said that in the process of auto finance penetration rate rising, more and more financial leasing companies began to get involved in this field, but the financing lease penetration financial leasing penetration rate of 40% and the United States and Germany compared to 21%, domestic car leasing penetration is relatively low, less than 3% in the future, rising in a large space, for all involved in the field of car leasing companies, is a huge potential blue ocean". 新模式涌现助力服务升级 New models emerge to boost service upgrading 面对广阔的市场，众多的 融资租赁公司 积极顺应当前不断变化的消费模式，特别是在大数据、人工智能等技术蓬勃发展的影响下，通过对各汽车产业主体的整合并探索、升级新的服务模式，助力汽车租赁业务向更高层次发展。 Facing the broad market, many financial leasing companies to actively adapt to the current changing consumption patterns, especially in the influence of vigorous development of big data and artificial intelligence technology, through the integration of the automobile industry and the main exploration and upgrade new service mode, help the car rental business to a higher level of development. 刘同安表示，随着中国消费者消费习惯的改变，中国汽车金融市场正迎来大发展的黄金时期，市场规模正随着金融租赁公司、汽车租赁公司、主机厂以及经销商的积极加入而快速的增长，各种汽车租赁的新模式层出不穷。 Liu Tongan said, with Chinese changes in consumer spending habits, the golden age Chinese auto finance market is ushering in the development, the size of the market is with the financial leasing companies, car rental companies, OEMs and dealers actively join and rapid growth, new car rental patterns emerge in an endless stream. 可以说，科技是影响汽车租赁模式升级的关键因素。“中国的金融机构其服务正朝着互联网科技化以及线上、线下融合的方向发展。” 恒鑫金融租赁 股份有限公司执行董事张利钧表示，融资租赁的资本时代也是汽车融资租赁的科技时代。随着大数据、云计算、人工智能、区块链等技术逐渐成型，将对汽车融资租赁的服务模式、风控模式产生影响，特别是对于新进入汽车融资租赁行业的资本，在短时间内使融资租赁的购车区域本地化，可以称之为汽车融资租赁的2.0时代。 It can be said that science and technology are the key factors affecting the upgrading of car rental mode. "The service of China's financial institutions is developing towards the Internet technology and the integration of online and offline." Hengxin leasing Limited by Share Ltd executive director Zhang Lijun said, the leasing of car leasing capital era is also the era of science and technology. With big data, cloud computing, artificial intelligence, block chain technology is gradually forming, the wind of car leasing service model, control model of impact, especially for new entrants to the automobile leasing industry capital, the financing lease of the Car Buying area in a short period of time, can be called auto financing lease 2 times. 进入2.0时代，差异化的汽车租赁产品与服务成为了在市场竞争中发挥优势的关键。建元资本董事长王炜认为，2.0时代中的融资租赁服务一是要回归业态和工具优势，二是要回归主渠道。也就是说，汽车融资租赁服务成功的关键要素在于差异化的产品以及有效的渠道策略与场景构建。在张利钧看来，未来，随着资本追逐技术逐渐成熟，汽车融资租赁模式还会有进一步变化。 In the 2 era, the differentiated car rental products and services have become the key to play an advantage in the market competition. Jianyuan capital chairman Wang Wei believes that 2 times in a financial leasing service is to return to the format and tool advantage, two is to return to the main channel. That is to say, the key elements of the success of automobile financial leasing service lie in the differentiated products, effective channel strategies and scene construction. In Zhang Lijun's view, in the future, with the gradual maturity of capital pursuit technology, the model of car financing lease will be further changed. 新零售与 新金融 赋予汽车租赁新内涵 New retail and new finance endow the new connotation of car rental 近两年来，汽车产业正被新零售与 新金融 两大概念所冲击，而汽车新零售模式的兴起也离不开 新金融 所赋予的新内涵与新功能。 In recent two years, the automotive industry is being impacted by the two concepts of new retail and new finance, and the rise of new car retail mode is also inseparable from the new connotation and new functions of new finance. 在互联网与信息技术革命的推动下，传统的汽车租赁市场正在发生深刻变化。汽车新零售与 新金融 实现结合后，消费者、汽车、贷款、场景、产品、服务等相关要素均发生了巨大的改变，其内涵得到扩展与延伸，汽车租赁已不再局限于以往传统的购车或者是线下的交易场景，随着越来越多互联网企业进入汽车租赁市场，互联网的思维和商业模式正在影响着传统的业务渠道，通过优化资源配置与技术创新，汽车租赁的需求和渠道发生了明显的改变与重构。 Under the impetus of the Internet and the information technology revolution, the traditional car rental market is undergoing profound changes. To realize the combination of new and new car retail financial, consumer, automotive, loans, scene, products and services and other related factors have undergone tremendous changes, its connotation has been expanded and extended, car rental is no longer confined to the traditional Car Buying or offline trading scene, with more and more Internet companies to enter the car the rental market, the Internet thinking and business models are affecting the traditional business channels, through optimizing the allocation of resources and technological innovation, change and reconstruction of significant car rental demand and channel. 为应对新零售与 新 To deal with new retail and new |
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