多地规范汽车消费金融“高额返佣” 银行如何突围“车生态”

Core Viewpoint - Multiple banking associations in regions such as Sichuan and Henan have released self-regulatory agreements addressing issues in the automotive consumer finance sector, emphasizing the need for compliance and market order maintenance [1][2][3] Summary by Relevant Sections Issues in Automotive Consumer Finance - The self-regulatory agreements highlight problems such as high commission payments to dealers, promotion of high-commission financial products, and inducement of early loan repayments [1][2] - Experts note that these practices contribute to unfair competition and consumer protection issues, necessitating stricter compliance and risk management [3] Growth Trends in Automotive Finance - 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% compared to the previous year [4] Recommendations for Industry Development - To promote high-quality development in the automotive finance sector, collaboration across policy guidance, industry governance, and banking mechanisms is essential [4] - Banks are encouraged to innovate beyond traditional lending roles, integrating into the automotive ecosystem and enhancing digital capabilities for better customer experience [5][6]