光大银行表示，未来，将继续聚焦服务实体经济本源，持续优化金融资源配置效率，进一步夯实汽车供 应链金融服务基础，赋能产业链协同发展，助力中国汽车制造提质增效。光轩 江南时报讯 "过去我们经常因为资金不到位而错失订车良机，影响销售节奏。自从和光大银行合作，加 入'全程通'金融网络后，情况大为改观。现在只要厂家发布订车信息，光大银行就能及时为我们提供融 资支持，让我们可以第一时间从厂家订购到满意的车型。销售回款后再还银行，极大缓解了我们的资金 占用压力，带动了我们销售增长。可以说，这是实实在在解决了我们经营中的痛点。"北京某汽车经销 商在使用过光大银行"全程通"产品后感慨道。 据悉，作为国内最早推出汽车供应链金融服务的银行之一，中国光大银行围绕"供、产、销、消、用"全 场景，打造了"全程通"平台，构建起覆盖整车厂、零部件供应商、经销商及终端消费者的全链条金融服 务体系，成为行业广泛认可的汽车供应链金融品牌。 例如，为帮助某国内自主品牌车企实现新能源战略转型，光大银行通过"全程通"平台，为其搭建了专属 的供应链金融服务体系，提供经销商库存融资、资产池、流动资金贷款等一揽子综合金融支持方案，累 计授信额度超过140亿元 ...

Group 1: Industry Challenges - The automotive industry is facing intense "price wars," leading to increased pressure on suppliers to lower prices and extend payment terms, resulting in a challenging financial environment for suppliers [2][3] - In 2024, the loss ratio for automotive dealers is projected to be 41.7%, with a significant reduction in the number of 4S dealerships, marking the first negative growth since 2021 [2] - The average accounts payable turnover days for major automotive companies have been rising, with Haima Automotive at approximately 206 days and BYD at about 146 days as of Q3 2024 [5] Group 2: Supplier Financial Strain - Suppliers are experiencing extended payment cycles, with some reporting payment terms ranging from 30 to 120 days, which is exacerbated by the competitive landscape [3][4] - Financial platforms promoted by automakers, such as BYD's DiChain, have extended payment cycles to six months, further straining supplier cash flow [4] - The new regulations effective June 1, 2023, aim to protect small and medium enterprises from forced acceptance of non-cash payment methods that could extend payment terms [6] Group 3: Dealer Dynamics - Dealers are facing high inventory levels and liquidity risks, with a reported increase in overall inventory by 12,000 vehicles in early 2025, breaking a five-year trend of inventory reduction [7][9] - The financial struggles of dealers are highlighted by the bankruptcy of several dealerships, including the Qiancheng Group, due to cash flow management issues exacerbated by manufacturer policies [7][8] - Only 35% of 4S stores met or exceeded their sales targets in the first half of the year, indicating significant pressure on dealer operations [9] Group 4: Market Response and Future Outlook - There is a growing consensus among industry leaders to move away from destructive price wars, with calls for a healthier competitive environment to stabilize the industry [11][13] - In Q1 2025, the number of models experiencing price reductions decreased significantly compared to the previous year, indicating a potential shift in market strategy [11] - Major brands are implementing substantial price cuts, with some models seeing reductions exceeding 100,000 yuan, reflecting the ongoing competitive pressures in the market [12]