Port communicationAs an important part of automobile consumer finance，Car finance leasing has grown rapidly in the past five years，Innovative models and products are also constantly enriched，In purchase limit、In the context of rapidly changing industry environments such as new energy vehicles and the Internet,，As the first domestic commercial vehicle rental brand general manager，Wang Yanling, general manager of Pioneer International Financial Leasing, said，Although competition is fierce，But now is undoubtedly a good era for the development of the industry。
Only by constantly innovating，Only in this way can we continue to stay ahead in this market.。The first to eat crabs in 2008，China's automobile consumer market is in full swing，Passenger car sales exceeded 10 million this year，Such a market size lays the foundation for the auto finance market.。Automaker Volkswagen wants to launch financial leasing business for cars in China，Seeking partners。
Auto financial services originated in the European and American markets，It is understood，More than 50% of automobile sales rely on automobile financial services。Compared to car loans，Car finance leasing not only provides financing，Provide additional services。But in the Chinese market in 2008，Car financing leasing is basically a blank slate。
New Century Leasing Company, the predecessor of Pioneer International Leasing，With previous experience in financial leasing business，Keenly grasped the needs of Volkswagen as an automobile manufacturer，thereby defeating other competitors，Established an exclusive strategic partnership with Volkswagen，He became the first person to eat crabs in the market.。
Recalling the time when the company was just registered and established in Tianjin Dongjiang Bonded Port Zone，Wang Yanling was very emotional，She laughed and said it was the first time she saw the somewhat desolate Dongjiang Free Trade Port Area.，I still have some drumming in my heart，However，After in-depth exchanges with Dongjiang,，She is glad that Pioneer Leasing has become the first financial leasing company to settle in Dongjiang。
in just a few years，Dongjiang Bonded Port Area has become a gathering place for financial leasing in the country，Pioneer Leasing has also grown into a financial leasing company with total assets of more than 5 billion yuan.。certainly，In an industry that has yet to form a stable pattern，In addition, financial products are highly replicable，Therefore, followers are pouring in very quickly.。
In just three years to 2012,，Many car financing leasing companies have emerged in the industry，Wang Yanling said，It is difficult for a company to maintain a certain model or innovative product for half a year or even less.
Advantages
，“Once the innovative model is launched,，You will find that within a few months it has become very popular in the industry。
"From the beginning of its establishment，Wang Yanling thinks，Only based on a deep understanding of the market and demand mining，Continuously launch innovative products and models，to stay ahead
Advantages
。Soon after the company was established，Pioneer Leasing has specially designed services for dealers, replacement car test drive, test drive leasing products。
“Manufacturers hope to help dealers solve the problem of capital occupation of test drives.，At the same time, it is hoped that the use of test drives by dealers will be regulated.，Financial leasing products satisfy both of these
Require
。"Wang Yanling said，At that time, I took a fancy to the vacancy in this market.，Entered immediately。
certainly，Innovation always has some setbacks，For financial leasing institutions that lack financial institution background，Financing has always been a bottleneck for development，This kind of innovation of Pioneer Leasing once encountered difficulties in the initial financing.。
but，Some emerging financial models in recent years，In particular, Internet finance has greatly broadened financing channels，"before，Our main financing channel is banks，from last year，We first did more than 100 million private placement financing in Lufax，Another 430 million yuan of ABS was issued this year，Greatly expanded financing channels。"Wang Yanling told reporters。
subsequently，"Dingmingzu" products for small and medium-sized enterprises、Taxi/driving school products，As well as leasing services for special vehicles in subdivided industries and leasing services for individual users... through continuous innovation，Pioneer’s product lines are increasingly enriched。Multiple opportunities, led by purchase restrictions，past few years，China’s automobile industry has undergone many changes，in，Purchase limited、Policies such as new energy and vehicle modification have caused，There are also market changes brought about by the rise of mobile Internet。
Take purchase restrictions as an example，on the one hand，Purchase restrictions will create more demand for car rentals，For financial leasing companies, this，is an opportunity，The vehicle is registered under the name of the financial leasing company，These license resources will be very important resources，But at the same time，Purchase restrictions also mean that financial leasing companies cannot hoard licenses without limit，to be restricted。
As for the new energy vehicles currently promoted by the government,，Wang Yanling thinks，Through the "time-sharing leasing + new energy vehicle" model，Can effectively solve the problem of short-distance travel in urban areas。Another example，Anti-corruption and vehicle reform have largely affected the dominant demand in the automobile market—official vehicles，But it also brings opportunities to car rental companies。
Wang Yanling said，From foreign experience，Leasing is the main way to use official cars，China's official vehicle market size is around 300 billion yuan，It's a very big market。If combined with advanced technology and management methods，Provide better fleet management，Corruption in official vehicles can be solved very well。
Pioneer Leasing has designed car modification and leasing products for corporate employees of large and medium-sized state-owned enterprises and government agencies.，“We have also recently been exploring car modification options.，Do a fleet management project development，We hope to provide a full range of services for the vehicle needs of the government and state-owned enterprises.。"The moment，Sharing economy is very popular，Especially in the taxi industry, it has had a profound impact。
For this emerging 020 model，Pioneer Leasing also sees opportunities，Started to provide private car service rental companies to develop products for various places。Although there are many opportunities，But as an emerging industry，Car financing leasing also faces some helpless situations。For example, the vehicle mortgage registration system has different regulations in different places.，Businesses alone cannot solve this problem。
As for the credit reporting system，Although financial leasing companies are currently unable to fully access the central bank’s credit reporting system,，However, after several companies in Tianjin Dongjiang Bonded Port Zone became the first batch of financial leasing companies to be included in the credit reporting system,，Wang Yanling thinks，Change has already begun，in addition，The private credit reporting system is gradually being established，It also becomes a useful supplement。
"In general，The current mainstream market for car financing leasing—official vehicles，is gradually liberalizing，Acceptance of car rentals is also slowly increasing。Car rental is the right time。"Wang Yanling said。For details, please consult Shenzhen Hong Kong Xintong-。
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