多地规范汽车消费金融“高额返佣”行为 银行如何突围“车生态”

Core Viewpoint - Recent self-regulatory agreements from banking associations in regions like Sichuan and Henan highlight issues in the automotive consumer finance sector, including high commission practices and non-compliant sales behaviors, aiming to protect consumer rights and promote quality development in the industry [1][2][3] Summary by Relevant Sections Self-Regulatory Agreements - Banking associations have issued self-regulatory agreements to address non-compliant sales behaviors in automotive finance, such as high commissions and inducements for early loan repayments [1][2] - The Sichuan Banking Association's agreement emphasizes optimizing cooperation with car dealers, lowering actual interest rates, and adhering to self-regulatory requirements [2] - The Kaifeng Banking Association's agreement includes a commitment to eliminate high-commission product promotions and misleading consumer intentions [2] Industry Issues - Experts identify several competitive issues in automotive consumer finance, including false advertising, hidden costs, excessive commissions, and compliance risks [3] - Banks are urged to strengthen risk control measures and comply with self-regulatory agreements to mitigate these issues [3] Market Growth Trends - The release of self-regulatory agreements reflects a growth trend in automotive consumer finance, with significant increases in auto loan and credit card installment volumes reported by major banks [4] - For instance, as of the end of 2024, the auto installment balance of China Merchants Bank increased by 67.416 billion yuan, a growth of 240.10% [4] - Ping An Bank reported a 73.3% year-on-year increase in new energy vehicle loans, highlighting the sector's expansion [4] Strategic Recommendations - To thrive in the competitive automotive finance landscape, banks should transition from traditional lenders to integrated service providers within the automotive ecosystem [5][6] - Collaboration with automotive manufacturers, dealers, and digital platforms is essential, alongside the development of innovative financial products like green loans [5][6] - Emphasizing transparency, consumer education, and robust risk management practices will enhance customer experience and reduce disputes [6]