莫让“以租代贷”扰乱车市

Core Viewpoint - The recent emergence of disputes regarding financing leases disguised as "manufacturer car loans" by 4S dealerships has disrupted the automotive consumer market, necessitating regulatory intervention to clarify ownership rights and protect consumer interests [1][2]. Group 1: Financing Lease vs. Traditional Car Loan - Financing lease is a common leasing model used for large commodity transactions, differing fundamentally from car loans in terms of vehicle ownership [1]. - In a car loan, consumers pay a down payment and borrow the remaining amount from a bank, gaining ownership of the vehicle upon delivery, while in a financing lease, the leasing company retains ownership during the repayment period [1]. Group 2: Market Implications and Consumer Rights - The practice of misrepresenting financing leases as traditional car loans is driven by profit motives, as financing leases offer quicker approvals and fewer restrictions, allowing for rapid returns and rebates for sales personnel [2]. - This misleading marketing strategy harms consumer rights in the short term and risks undermining the industry's credibility in the long term, potentially constituting consumer fraud [2]. Group 3: Regulatory and Consumer Recommendations - Regulatory bodies need to enhance rules governing the automotive financing lease industry, clarifying the rights and obligations of all parties involved and addressing the "dark box operations" by some car manufacturers [2]. - Sales enterprises should adhere to principles of honesty, fully disclosing financial product information and standardizing cooperation models, while consumers are advised to carefully review contract terms and confirm ownership status to avoid falling into sales traps [2].