全国24家汽车金融公司资产规模8551亿元 行业平均资本充足率连续五年提升

Core Insights - The report highlights the significant growth and resilience of the automotive finance industry in China, with a focus on the year 2024 as a transformative period for the automotive sector [1][2] Market Overview - As of the end of 2024, the total asset scale of 24 automotive finance companies reached 855.134 billion yuan, maintaining a high level [2] - Retail financing balance stood at 690.024 billion yuan, with new energy vehicle loans at 204.096 billion yuan, reflecting a year-on-year growth of 23.44%, and used car loans at 78.381 billion yuan, with a year-on-year growth of 26.06% [2] - Wholesale financing balance was 76.9 billion yuan, providing ongoing financial support to the automotive supply chain [2] Industry Performance - The average liquidity ratio for the industry was 195.90%, average capital adequacy ratio was 26.96%, and average non-performing loan ratio was 0.65%, all indicating a healthy industry status [2] - The average non-performing loan ratio increased by 0.07 percentage points compared to the previous year, while the average capital adequacy ratio has improved for five consecutive years [2] Strategic Developments - Automotive finance companies are actively responding to increasing market competition by optimizing business structures, enhancing service efficiency, and reducing operational costs to improve core competitiveness and sustainability [3]