购车旺季碰上政策窗口期 汽车金融借势发力

Core Insights - The automotive market is experiencing a consumption peak as the year-end approaches, driven by adjustments in the new energy vehicle (NEV) purchase tax policy, prompting automakers to offer subsidies and banks to introduce zero-interest financing options [1][2]. Policy Changes - Starting January 1, 2026, the full exemption of purchase tax for NEVs will be replaced by a half-reduction policy, with a maximum tax exemption of 15,000 yuan per vehicle [2]. - The new policy is expected to create a rush among consumers to purchase vehicles before the end of the year to take advantage of the tax benefits [2]. Market Dynamics - Many automakers are providing "bottom-line" subsidies to attract consumers, with reports of increased foot traffic in NEV showrooms [2]. - The delivery timelines for pure electric vehicles have improved to 4-6 weeks, but remain longer than for extended-range models due to battery supply constraints [2]. Financial Services - Banks are actively promoting automotive consumer finance products, with several institutions offering zero-interest loans to stimulate demand during the year-end sales peak [4]. - For instance, Postal Savings Bank is offering financial subsidies up to 4,500 yuan for specific models, while Ping An Bank has introduced zero-interest loan options with flexible amounts [4]. Consumer Awareness - There are concerns regarding hidden costs associated with zero-interest financing, as some third-party platforms may impose high fees and commissions to offset risks [5][6]. - Consumers are advised to be vigilant about potential hidden charges, such as service fees disguised under various names, which can lead to higher effective interest rates [6]. Quality Concerns - The rush to meet delivery deadlines may compromise quality, with reports of simplified quality control processes leading to discrepancies between actual vehicles and promotional claims [2][3].