天津诚信汽车租赁公司

How do car rents play the financial market?

发达国家的汽车后市场是成熟汽车市场的主要利润来源，汽车销售利润、零部件供应利润各自约占整个汽车产业链利润的 20%，其他60%的利润是在服务领域中产生的。而目前，我国汽车产业利润主要集中在整车厂，整车制造和汽车零部件销售，利润占比合计80%，而汽车后市场的利润占比较少。

The rear market of the developed countries is the main source of profit for the mature automobile market. The profit of automobile sales and the profit of spare parts supply about 20% of the profit of the whole automobile industry chain, and the other 60% profit is produced in the service field. At present, the profit of the automobile industry in our country is mainly concentrated in the whole vehicle factory, the whole vehicle manufacturing and the sales of auto parts, the total profit is 80%, but the profit of the car market is less.

随着政策和市场规律双重动力驱动，我国汽车行业的利润格局将重新分割，行业利润将向汽车后市场倾斜。作为汽车后市场的重要组成部分，汽车金融必将从中大幅受益。

With the dual driving force of policies and market rules, the profit pattern of China's auto industry will be re divided and industry profits will be tilted to the post market. As an important part of the automobile aftermarket, auto finance will benefit greatly from it.

数据显示，2015年，约86%的美国消费者通过金融方式购买新车，这一数字在德国和英国分别为75%和90%。2015年我国汽车金融整体渗透率约为35%，对比汽车金融成熟国家尚有较大差距，蕴含了巨大的发展潜力与成长空间。

Data show that in 2015, about 86% of American consumers bought new cars through financial means, which were 75% and 90% respectively in Germany and the United Kingdom. In 2015, the overall permeability of automobile finance in China is about 35%. There is still a big gap between the mature countries of automobile finance and the big development potential and growth space.

虽然国内汽车金融渗透率相较国外差距明显，但是就国内而言发展速度飞快。从2001到2014年，国内汽车信贷市场规模由436亿元增长13倍至6,596亿元。

Although the penetration rate of domestic automobile finance is obviously different from that of foreign countries, it is developing rapidly at home. From 2001 to 2014, the scale of domestic auto credit market increased from 13 yuan to 659 billion 600 million yuan from 43 billion 600 million yuan.

汽车消费的快速增长：自2000年以来十几年的时间里， 中国以跨越式的发展完成了汽车销量从百万量级到千万量级的飞跃。汽车的巨大需求推动了汽车金融市场爆发式的增长。

The rapid growth of automobile consumption: in more than ten years since 2000, China has completed the leap of automobile sales from millions to tens of millions by leaping development. The huge demand for cars has driven the explosive growth of the auto financial market.

消费主体年轻化与消费观念的转变：80后逐渐成为社会的主要消费力量，其消费观念相对比较开放，对贷款购车的接受程度更高，而且越来越多的人更看重的是汽车贷款的方便、简洁。

The consumption concept is young and the consumption concept is changed. After 80, the consumption concept is gradually becoming the main consumption force of the society. The consumption concept is relatively open, the acceptance of the loan buying car is higher, and more and more people pay more attention to the convenience and simplicity of the car loan.

汽车金融市场参与者增加以及产品日趋丰富：传统汽车金融市场的参与者主要包括商业银行和汽车金融公司，随着汽车金融市场的打开以及个人征信体系的完善，融资租赁公司、互联网金融公 司、小贷公司等金融机构也纷纷参与其中，提供的金融产品除了传统的汽车消费贷款、信用卡分期等，还包括融资租赁产品等，使得消费者有更多选择的空间。

The participants in the auto financial market are increasing and the products are becoming more and more rich. The participants in the traditional auto financial market include commercial banks and auto finance companies. With the opening of the auto financial market and the improvement of the personal credit system, financial institutions such as financing leasing companies, Internet finance companies and small loan companies are also participating in the financial market. In addition, the financial products provided in addition to the traditional car consumer loans, credit card staging, including financial leasing products, so that consumers have more space for choice.

密集的政策出台，助推汽车金融行业发展：2016年，国家出台了一系列政策支持汽车金融行业的发展，内容涵盖汽车销售层面、二手车和新能源汽车、网约车、消费金融等领域。

In 2016, the state issued a series of policies to support the development of the auto finance industry, including the automobile sales level, used cars and new energy vehicles, network vehicles, consumer finance and other fields.

汽车金融进入2.0时代

Auto finance entered the 2 era

在汽车金融的1.0时代，车企主要是以传统车贷业务为基础来赚钱，整车厂和经销商都能运用这一金融手段促进销售，然而目前车贷渗透率已达到一定水平，传统车贷产品已经不足以支撑行业发展。整个汽车行业就要开始迈入汽车金融的2.0时代。汽车融资租赁引入了出租服务中所有权与使用权相分离的概念实现了月供降低，期限延长的效果，扩大了用户群。更重要的是，融资租赁不仅仅提升了新车销量，还极大地促进了二手车业务的发展，所以融资租赁无疑将成为汽车金融的重点方向之一。

In the 1 era of automobile finance, car enterprises mainly make money on the basis of traditional car loan business. All the vehicle factories and dealers can use this financial means to promote sales. However, the permeability of car loans has reached a certain level, and the traditional car loan products are not enough to support the development of the industry. The entire automobile industry will start to enter the 2 era of automobile finance. The car financing lease introduces the concept of separation of ownership and use right in rental service, which realizes the effect of reducing monthly supply and prolonging the duration, and expands the user group. More importantly, the financing lease not only promoted the sales of new cars, but also greatly promoted the development of second-hand car business, so the financing lease will undoubtedly become one of the key directions of automobile finance.

在汽车高速增长期结束进入稳定增长期以及主机厂竞争加剧的大背景下，经销商传统主业新车销售利润受到严重挤压。经销商已经纷纷放松4S店的扩张脚步，转而向汽车后市场攫取利润。汽车金融将可以进一步撬动消费市场，成为经销商重要的收益来源。经销商多以汽车租赁的形式进入汽车消费金融，以求新的盈利模式。另外，金融租赁也在加快布局汽车租赁业务。最后，随着消费观念的改变和环保理念的日益深入，人们逐渐从看中车辆的“所有权”向关注车辆的“使用权”转变。这些都给汽车融资租赁的发展提供了新的契机。

At the end of the rapid growth period of the car and the growing competition of the host plant, the sales profit of the new dealer's traditional main car has been seriously squeezed. Dealers have relaxed the expansion of 4S stores and have been making profits from the post market. Auto finance will further leverage the consumer market and become an important source of revenue for dealers. Dealers mostly enter the automobile consumer finance in the form of car leasing, in order to seek new profit models. In addition, financial leasing is also accelerating the layout of car rental business. Finally, with the change of the concept of consumption and the deepening of the concept of environmental protection, people gradually change from the "ownership" of vehicles to the "right to use" vehicles. All these provide new opportunities for the development of car financing lease.

汽车融资租赁

Car financing lease

汽车融资租赁又被称作“以租代购”，也被视为分期付款购车的一种方式，是指出租人根据承租人对车辆的特定要求和选择，出资向汽车销售商购买车辆并出租给承租人使用，承租人则分期向出租人支付租金的业务，而租赁结束后，用户可以选择按照车辆残值购买或者把车归还给汽车租赁公司。

A car financing lease is also known as "renting and buying". It is also regarded as a way of buying a car by installment. It refers to the lessor's purchase of vehicles and rentals to the lessee according to the specific requirements and choices of the lessee to the vehicle. The lessee pays the rent by installments to the leaseholder and the leasehold. After the bundle, the user can choose to purchase according to the residual value of the vehicle or return the car to the car rental company.

汽车融资租赁灵活的模式和相对低廉的分期成本能够惠及相当广泛的人群，另一方面也大大增强了汽车的流通性。

The flexible mode of car financing lease and relatively low installment cost can benefit a large number of people, and on the other hand, it greatly enhances the circulation of cars.

在融资租赁的模式下，租赁物的所有权、使用权、收益权分离，其中车辆所有权属于租赁公司，这使得其对客户的资信要求较低，甚至不需要提供担保。在办理融资租赁的过程中，只要用户资信良好，申请过程也很简便，用时远远短于银行按揭。此外，融资租赁公司可以根据用户的资信状况和经营能力提供不同额度的融资金额和期限。

In the mode of financial leasing, the ownership, the right to use and the right of income of the leasehold are separated. The ownership of the vehicle belongs to the leasing company, which makes it low in the credit requirements for the customers and does not even need to provide a guarantee. In the process of financing lease, as long as the user's credit is good, the application process is also very simple, which is much shorter than bank mortgage. In addition, financial leasing companies can provide different amounts of financing amount and time limit according to their credit standing and operational capacity.

融资租赁购车对各方的优势分析

Analysis on the advantages of financing leasing for all parties

首先，融资租赁相比银行贷款分期付款的手续费要简单的多，所花的时间也要少。

First, financial leasing is much simpler than bank loan installment payment, and it takes less time.

对于承租人来说，先租后买方式灵活，在租赁期满后，承租人享有选择权，是否购买所租的汽车。

For the lessee, the rent is first and the purchase way is flexible. After the lease expires, the lessee has the right to choose whether to purchase the car he rented.