中银协：2024年末全国 24 家汽车金融公司资产规模8551.34亿元

Group 1 - The core viewpoint of the report is that the automotive finance industry in China is experiencing significant growth, particularly in the areas of new energy vehicle loans and used car financing, which are crucial for supporting consumption in these markets [1] - As of the end of 2024, the total asset scale of 24 automotive finance companies in China is projected to reach 855.134 billion RMB, indicating a stable and high level of asset management [1] - Retail financing balances are reported at 690.024 billion RMB, with new energy vehicle loans at 204.096 billion RMB, showing a year-on-year growth of 23.44%, and used car loans at 78.381 billion RMB, with a year-on-year growth of 26.06% [1] Group 2 - The report highlights that automotive finance companies are deepening their digital transformation efforts, which enhances operational efficiency and management precision [1] - Key regulatory and management indicators remain strong, with an average liquidity ratio of 195.90%, an average capital adequacy ratio of 26.96%, and an average non-performing loan ratio of 0.65% as of the end of 2024 [1] - The wholesale financing balance is noted to be 76.9 billion RMB, which continues to support the liquidity of the automotive industry supply chain [1]