宝马汽车金融在华十五年：以数字化与风控双引擎，打造高端汽车金融生态圈

Core Insights - BMW Automotive Finance (China) celebrates its 15th anniversary, marking significant achievements in the luxury automotive finance market with over 2.6 million customers and nearly 100% dealer coverage across approximately 250 cities in China [1][2] - The company emphasizes a localized strategy, adapting to the rapidly changing Chinese automotive market, and maintains a leading market penetration rate of about 20% within the BMW brand [1][2] Digital Transformation and Ecosystem Development - BMW Automotive Finance has built a robust business foundation over 15 years, achieving over 2.6 million customers and nearly complete dealer network coverage, indicating deep integration into the automotive distribution system in China [2] - The company has adopted digital transformation as a core strategy, creating a unique "digital financial ecosystem" to enhance the automotive finance service experience, with over 70% of customer applications processed in seconds [2][3] Product Innovation and Service Diversification - The company has proactively launched zero down payment products and a diverse product matrix that includes low monthly payments and flexible final payments, significantly lowering the barriers for customers [3] - BMW Automotive Finance has established a comprehensive service capability covering automotive finance, leasing, and insurance brokerage, enhancing customer loyalty and creating a differentiated competitive advantage [3] Market Trends and Consumer Behavior - The shift in consumer attitudes towards ownership and usage is expected to drive growth in the automotive leasing market, as younger generations increasingly favor flexible vehicle usage [4] Risk Management and Compliance - A comprehensive risk control system based on intelligent models and big data technology has been established, allowing for precise risk assessment and decision-making, which is crucial for sustainable development [5] - The company provides financial support to dealer partners, reinforcing their stable operations and differentiating their service model from new entrants in the market [5] Commitment to Sustainability and Diversity - BMW Automotive Finance promotes green development through digital and paperless processes while emphasizing employee diversity and talent development, achieving gender balance among frontline staff [6] Future Outlook - As BMW Automotive Finance enters a new phase, it aims to support BMW Group's electrification strategy by continuously innovating financial products and services, enhancing the customer experience in the electric vehicle era [7] - The company expresses confidence in long-term growth in the Chinese market, backed by its accumulated customer base, data capabilities, compliance experience, and strategic positioning [7]