车贷新政撕开行业潜规则：金融乱象整顿倒逼市场回归理性

Core Viewpoint - The article discusses the end of the "high interest, high rebate" model in the automotive finance market, indicating a significant shift in consumer behavior and industry practices due to regulatory interventions [4][8]. Industry Practices - Banks have historically paid dealers 10% to 15% of the loan amount as rebates, which were then used to create the illusion of lower car prices for consumers [4]. - A case study from a state-owned bank revealed that despite paying 25,500 yuan in rebates for a 170,000 yuan loan, the actual interest income was only 16,000 yuan due to early repayments, leading to significant losses [4]. - The rebate model contributed nearly half of the profits for dealers during the prevalence of the "high interest, high rebate" scheme [5]. Consumer Impact - The end of the "high interest, high rebate" model means consumers will face a recalibration of car purchase costs, with potential increases in costs due to changes in rebate structures and penalties for early repayment [8]. - Consumers are encouraged to focus on real interest rates and penalty clauses rather than short-term rebates, leading to more rational purchasing decisions [9]. Regulatory Changes - Regulatory bodies are taking steps to prevent systemic risks and protect consumer rights by mandating full disclosure of costs associated with both cash and loan purchases [7]. - The article emphasizes the need for a unified regulatory framework for financial service fees and the establishment of a product filing system to prevent forced bundling of services [7]. Market Dynamics - The shift away from the "high interest, high rebate" model poses survival challenges for dealers who have relied heavily on financial rebates for profit [7]. - The automotive finance market is expected to evolve towards a more sustainable model, focusing on service rather than price competition, as banks and dealers adapt to new regulatory environments [9].