| 汽车租赁如何玩转金融市场？ |
| 添加时间：2019/7/9 14:23:43 浏览次数： |
| 汽车租赁如何玩转金融市场？ 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. |
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