Port communication注册申请汽车融资租赁公司 近年来，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.。
The auto finance market has huge potential. Compared with European and American countries, the auto finance penetration rate exceeds 70%.，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.：*A consumer mortgage loan constructed by commercial banks and insurance companies；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.，*One is a financial service model built through multi-party cooperation with other institutions。
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，The car financing leasing business has become the largest development potential of China's automobile industry in the future.、Prospect* is one of the promising sectors。 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，And finally formed a win-win business innovation model of renting and insurance.。
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。
The pattern*
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.。
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