Jin Rong Shi Bao·2025-12-01 01:20Core Insights - Banks are intensifying marketing efforts for year-end car loan schemes, with "zero interest" offers being particularly attractive to consumers [1][2] - The automotive consumer finance sector is shifting from a "high interest, high return" model to a focus on service and customer experience, driven by regulatory changes [1][4] Banking Actions - Major banks like Postal Savings Bank and Ping An Bank are launching various promotional car loan offers, including financial subsidies and flexible guarantees [1][3] - Postal Savings Bank is offering up to 4,500 yuan in financial subsidies for specific new models, with annual interest rates ranging from 0% to 6% [1] - Ping An Bank has introduced a year-end car loan with a minimum interest rate of "0%," allowing loans from 10,000 yuan to 1 million yuan [1] Market Dynamics - The shift towards lower interest rates and higher subsidies aims to stimulate consumer demand while enhancing competitive differentiation through flexible guarantees [2][4] - As traditional credit growth slows, banks are focusing on automotive consumer finance as a key growth area, with Ping An Bank's automotive loan balance reaching 300.3 billion yuan, a 2.2% increase year-on-year [3] Consumer Considerations - Consumers are advised to carefully evaluate car loan options, considering factors such as true costs, contract terms, and cash flow [6][7] - The recent adjustments in early repayment rules by some banks aim to balance risk and customer experience, potentially leading to more flexible repayment options in the future [7]