贷款买车比全款便宜？别高兴太早，这才是4S店最深的套路

Core Viewpoint - The article discusses the "high interest high rebate" model in China's automotive market, which initially appeared beneficial for consumers but ultimately led to systemic issues and dependency on unsustainable financial practices [1][2][3]. Group 1: The "High Interest High Rebate" Model - The model allowed consumers to perceive that financing a car was cheaper than paying in full, creating a false sense of financial advantage [1][2]. - Consumers were often coerced into financing options, losing the choice of paying in full, which led to a lack of understanding of the financial contracts involved [3][4]. - Dealers shifted their focus from selling cars to facilitating loans, prioritizing short-term profits over customer service and long-term relationships [4][6]. Group 2: Market Impact and Consequences - The model created a competitive environment where price stability was compromised, leading to unpredictable vehicle pricing and consumer hesitation [6][7]. - The regulatory crackdown on this model is expected to cause a painful adjustment period for the market, with potential declines in sales and dealer profits [7][9]. - The automotive ecosystem is described as suffering from a "high fever," indicating that while the market appeared vibrant, it was actually deteriorating [6][9]. Group 3: Future Directions - The end of the "high interest high rebate" model is seen as an opportunity for the industry to innovate and provide genuine value to consumers [8][9]. - Future strategies should focus on transforming automotive brands from mere manufacturers to service-oriented operators, enhancing customer engagement and trust [8][9]. - Simplifying the purchasing process and ensuring transparency in financing options are recommended to rebuild consumer confidence [8].