At present, great changes have taken place in domestic consumers' concept of borrowing and loan, as well as the financial leasing mode of separating ownership and use right, which provides a broad market space for the development of automobile financial leasing.
Automobile financing lease is not only the product of the development of automobile finance, but also the demand of the development of automobile market. It is a new model of large-sum installment car purchase. This new car purchase mode is called "purchasing by rent", which is different from the common car purchase mode of financial loans. The biggest difference of financial leasing mode is that the right to use and ownership of cars are separated. Because the down payment of this model is reduced, it attracts users who are short of funds, consumers can choose flexibly according to their needs, and the difficulty of car purchase funds is greatly reduced.
In the era of consumption upgrading, with the rapid rise of the younger generation of consumer groups, the market demand is undergoing tremendous changes. The low-threshold car purchase method is very suitable for people with little money at hand and relatively stable expected income in the future, especially young people in third-and fourth-tier cities. Generally speaking, there is little pressure in life, but the requirements for quality of life are improving.
Traditional automobile sales channels are mainly concentrated in first-and second-tier cities, and the layout of 4S stores in sinking cities is less. At present, the growth rate of vehicle ownership in first-and second-tier cities has slowed down and the market saturation has increased due to the restrictions of policies such as vehicle purchase restriction. As a result, the potential and space of the sinking market began to appear, and the young groups among them became the main consumers.
Compared with full payment and mortgage, auto financing leasing service has the advantages of low down payment, low threshold and flexible scheme, and can accept a wider range of consumers. In addition to the low threshold for driving a new car, the monthly repayment pressure is small, and in addition to returning the car, you can also save some for a rainy day. In addition, the qualification procedures for consumer loans are also very fast and convenient, so more and more people will buy cars through car financing leasing.
It is precisely for this reason that car financing leasing has been liked by white-collar workers in first-and second-tier cities from the beginning, and gradually tried by young people in third-and fourth-tier cities. Now everyone is trying this new financial car purchase mode by word of mouth, which not only relieves the credit problem of consumers, but also lowers the threshold of automobile consumption. Financial leasing has become a "good prescription" to penetrate the sinking market of automobiles.
With the continuous promotion of strong national policies, the operating environment of the financial leasing industry is constantly optimized, and the market demand is gradually increasing. The financial leasing industry has ushered in good development space and opportunities. Entering the sinking market means a bigger blue ocean. With the rise of various auto financing and leasing platforms,
In the future, as long as we make good use of the development opportunities in the huge blue ocean market, adapt to the ever-developing ecology of the auto finance industry and help the rapid development of auto finance leasing, we can provide different auto finance services for different customer groups.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.