Port communication汽车融资租赁或迎“黄金发展期作为集融资与融物、A new financial format that integrates trade and technological updates，Financial leasing plays an increasingly important role in serving the real economy。With the pace of economic transformation and consumption upgrading，As an important component of auto finance, auto finance leasing is also expected to usher in a "golden development period"。
近日举行的“第十二届上海金融服务实体经济洽谈会暨第二届融资租赁高峰论坛”上，上海市租赁行业协会副会长、Fang Weihao, Chairman and CEO of Ping An International Financial Leasing Co., Ltd. said，China’s auto finance market has developed rapidly in recent years，2025Annual volume may exceed one trillion yuan。
He also said，2025China's auto finance penetration rate reaches 39%，Improved from the previous year，But it only reaches half the level of the North American market，Potential is expected to be further unleashed in the future。 The opinion from China Association of Automobile Manufacturers is that，With the growth of the "post-90s" consumer group，The auto finance market will usher in faster growth。
According to the forecast of professional organization Deloitte，2025China’s auto finance market is expected to reach 2 trillion yuan in 2020，Penetration rate increased to 50%。 As one of the important business areas of automobile finance，Car financing leasing entered China in the 1980s。2008In January 2019, the China Banking Regulatory Commission promulgated the "Administrative Measures for Auto Finance Companies"，Car financing leasing business begins to get on track。
2011start of year，The entry of various capitals has gradually led to the vigorous development of the automobile finance and leasing industry.。
融资租赁公司税收咨询、融资租赁公司新设政策关注哪些问题，请咨询政策分析汪老师 135=3O1=8O825 零壹智库等机构发布的数据显示，2025Annual financial leasing vehicles reach 1.5 million，An increase of two-thirds from the previous year，The share of financial leasing companies in the auto finance market has also increased from 7% in the previous year to 11%。
From the perspective of the industry，Car financing leasing is expected to usher in a "golden development period" driven by policy guidance and market demand.。 方蔚豪分析认为，on the one hand，The new generation of consumer groups has a car consumption philosophy of "using" more than "owning"，Conducive to promoting the development of the car financing leasing market。on the other hand，The rapid development of the Internet has provided more monetization channels for car financing and leasing.。
And in financial deleveraging、Against the backdrop of shrinkage of non-standard assets，Cars have become an important carrier to meet the needs of loan scenarios。 The car financing leasing market shows good development prospects，Attracting the attention of all kinds of capital。Except Tencent、Jingdong、Internet giants such as Baidu and financial companies such as Ping An，Many small and medium-sized leasing companies have also emerged in the industry。
but，For small and medium-sized companies trying to get a share of the car finance leasing market，Limited financing channels、High capital costs、Relatively weak risk control capabilities and an operational service system that needs to be improved，It is an unavoidable "pain point" in its initial stage.。 In this context，Ping An Leasing, which will start deploying automobile financing leasing in 2025, has begun to "empower" its peers.。
Fang Weihao revealed，Ping An Leasing will rely on its strong ability to obtain funds，Open vehicle source system、Large and medium-sized system、Operational services and other enabling platforms，Provide a platform for small and medium-sized financial leasing companies、system、Risk control、science and technology、Product and other support，Join hands to expand the market。
In April this year, the "China Automobile Financing Leasing Development Report 2025" released by Lingyi Think Tank and Ping An Leasing held that，China's automobile market reaches trillions of yuan，Financial leasing penetration rate is 3%，Far lower than the level of developed countries in Europe and the United States，Huge market space。
Against the backdrop of slowing growth in the new car market，The prospects of the used car finance and financial leasing market continue to improve；Currently, sale-leaseback still occupies the mainstream market share，Direct rental business will become the focus of industry layout in the future。And big data、Blockchain、Applications of financial technology such as Internet of Things，by changing value and realizing value，Provide more possibilities for the rapid growth of the automobile finance leasing industry。
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