Port communication汽车融资租赁申请 港信通- in recent years，Cars are gradually becoming a necessity of life，Consumer demand for vehicle use and driving travel is also growing。Talking about car finance，The first thing people think of is the car loan business，However, with the development of the financial leasing industry，Obtain the right to use the vehicle through financial leasing，Gradually becoming a new choice for people，It is leading a major reshuffle of the automotive industry.。
汽车融资租赁申请 港信通- 汽车金融市场潜力巨大 相较于欧美国家超过70%的汽车金融渗透率，At present, the penetration rate of auto finance in my country is only about 20%.，However, according to predictions，within the next ten years，China's auto finance market will reach 8-10 times the current market size，This shows that the market space for my country’s auto finance industry is very huge.。
At present, there are four main auto finance service models in my country.：第一种是由商业银行与保险公司构建的消费按揭贷款；The second is the installment payment service model established by automobile manufacturers.；The third type is the car financial leasing service model intervened by car rental platform companies.，后一种是由其他机构多方合作构建的金融服务模式。
Facing new energy、Intelligent、The wave of change in the sharing economy and Internet finance，The original single financing model of the auto finance industry has been broken，including consumer finance、P2P online lending、Many different institutions, including financial leasing, have begun to intervene in the field of automobile finance in various ways.，A diversified market structure is gradually taking shape。The method of car financing and leasing has also begun to be recognized by the general public。
car finance leasing
Advantages
明显 在整个汽车金融产业链中，Car finance leasing realizes the characteristics of financing through financing，With a more flexible business model、Higher profit returns，It has been favored by more and more automotive industry practitioners and customers.。
Relying on cash installment payment method，Car financing leasing introduces the concept of separation of ownership and use rights in leasing services to achieve lower monthly payments.，Effects of deadline extension，Expanded user base。What's more important，Financial leasing not only increases new car sales，It also greatly promoted the development of the second-hand car business.。It can be said，汽车融资租赁业务已经成为中国汽车产业在未来具发展潜力、前景为看好的板块之一。
Port communication- Compared to traditional car mortgages，Car finance leasing has the following aspects:
Advantages
：First, the down payment ratio is low，Flexible terms，Second, it can provide customers with more comprehensive services，Third, it can provide personalized choices。
创新业务模式实现共赢 在此种理念的推动下，As one of the earliest financial leasing companies in China to explore the field of automobile finance，China Financial Leasing Co., Ltd. (referred to as：China Financial Leasing) is based on the current market situation.，Innovatively designed a car financing leasing model in cooperation with insurance companies，By working with insurance companies，Develop for own use、Commercial and other conventional vehicle financial leasing business，Business development relying on insurance company channels
Advantages
，In-depth study of market needs，through insurance、advance payment、Risk coverage design such as margin and diversified product solutions，Not only did it achieve rapid entry into new domestic cars,、Second-hand car consumer market，It also greatly reduces market risk，并终形成了租保共赢的业务创新模式。
China Financial Leasing’s auto finance business is fully based on market characteristics and customer needs.，Customers are mainly natural persons，Depends on down payment and residual value，Divided into "regular"、"Low down payment - no residual value"、Four options: "low down payment - high residual value" and "high down payment - high residual value"，Provide customers with multiple options。
该模式的大
Advantages
lies in，China Financial Leasing can use the insurance company’s outlets across the country to establish relationships with car dealers in a short period of time.、Channel merchants and customers create business contacts，at the same time，Leverage the strength of insurance companies in guarantee insurance business，Covering risk exposures in the automotive business，To meet the requirements of risk management and control
Require
。
According to different customer types and asset quality，China Financial Leasing has designed a variety of leasing product solutions for customers，For example，Launched a lease term of 3 years，30% of rent collected in advance，Tenant’s plan to pay monthly rent，Under this plan，The insurance company provides full coverage guarantee insurance for the remaining risk exposure beyond 30% of the rent received in advance.。
In this mode，Guaranteed insurance provided by an insurance company，Cover risk exposure，If the lessee breaches the contract such as overdue payment,，China Financial Leasing makes it easier to retrieve and dispose of vehicles;in addition，The vehicle is mortgaged during the leasing process，It is difficult for the lessee to resell the vehicle，It is also very helpful in preventing a third party from acquiring the leased property in good faith.；at the same time，Profit models are also more diversified，In addition to making profits through financial interest rates, China Financial Leasing，You can also earn the difference in car wholesale and retail prices、Profits from insurance rebates, etc.；In addition, China Financial Leasing is based on customer needs，We can also provide a full range of services from leasehold purchase to asset residual value management.，and obtain a certain residual value income，In this process, dealers and insurance companies also obtained considerable profits through vehicle business and insurance business.，thus achieving low risk、low interest rate、High-profit rental and insurance win-win model。
拓展租赁服务着眼蓝海 在汽车产业行业蓬勃发展的同时，我们应该看到，中国的汽车金融领域正发生着深刻的变化。 first，经营性租赁市场正在逐渐形成。罗兰贝格数据显示，中国租车市场规模从2008年的90亿元增长至2013年的340亿元，预计到2025年将攀升至580亿元。
随着国内80、90后等汽车市场消费主力军走向前台，年青一代拥有通过租赁的形式实现永远开新车的需求，中国租车市场无疑有着非常巨大的消费潜力和广阔的市场前景。
Secondly，互联网科技的发展，使得消费者的购车及租车习惯发生着改变，人们未来在购车或租车时，很可能是像现在的网络购物一样，网上看好车型，线上完成签约，终线下提车。汽车电商占整个汽车交易的比例将会日渐提高。 third，未来汽车的销售体系也在发生变革。
在传统汽车经销体系中，只有一二线城市的汽车经销体系较为完善，而三四线、四五线城市的汽车经销体系则非常缺乏。而随着城镇化的不断推进，三四线、四五线城市已经成为了汽车金融增长的主要动力地区。
面对上述的市场变化，已经在汽车融资租赁行业中获得了一定业务地位和市场声誉的中国金租正在着眼于将市场先机转换为市场胜机，避开传统汽车消费的红海市场，将目光转向汽车消费的新蓝海——经营性租赁市场。
future，中国金租在继续利用保险公司渠道
Advantages
on the basis of，将进一步发挥融资租赁模式的巨大
Advantages
和潜力，并根据互联网科技发展的大趋势，逐步形成“城市展厅+郊区卖场+互联网展示”的模式；同时大力开展经营性租赁业务，参考美国等发达国家的汽车融资租赁模式，探索先租后买、可租可买、二手车买卖等业务模式，在各个流程上延伸产业链，完善服务链条。
中国金租致力于逐步成为整个汽车金融产业链上的重要一环，并引领整个汽车行业格局的重新洗牌，并终成为国内为优秀的汽车融资租赁服务商。 Port communication-
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