“贷五免二”变种仍存 部分汽车品牌“高息高返”仍在继续

Core Viewpoint - The "high interest and high return" model in the Chinese auto loan market continues to persist, with variations like "loan five, exempt two" still prevalent, despite increasing complaints regarding early repayment penalties [1] Group 1: Current Market Practices - Some auto brands are still employing the "high interest and high return" strategy to stimulate consumption and boost short-term sales [1] - The "loan five, exempt two" variant remains widespread among various auto dealerships in Beijing [1] Group 2: Industry Risks - Experts indicate that the "high interest and high return" model poses significant risks from an industry risk management perspective [1] - Banking insiders suggest that the sustainability of the "high interest and high return" approach is questionable, with potential for a nationwide ban on such practices in the future [1]