"0首付""0利率""0元换新"……在诸多政策利好作用下，汽车金融市场竞争愈发激烈。中国证券报记者 日前走访北京地区多家汽车4S店发现，银行、汽车金融公司等金融机构抓住汽车销售旺季，携手燃油 汽车与新能源汽车厂商，从降低购车成本与简化贷款流程入手，抢夺汽车金融市场。激烈竞争下，市场 上甚至出现了"0首付+0利率"的超常规金融方案。 销售人员为她提供了首付3.98万元、贷款35万元的车贷方案。夏女士表示，对比了全款购车与多种贷款 方案后，这家4S店与中国银行等合作的"购车补贴+低首付+长贷短还"的金融方案最让她心动。 记者走访多家汽车4S店发现，类似的车贷优惠还有不少。在北京地区某奔驰4S店内，电子大屏上播放 着"轻松开新车"奔驰汽车金融特惠方案。针对奔驰旗下不同车型，这家店可提供0首付0年利率起、0首 付年利率0.99%(约合年费率0.6%)起、0首付年利率1.99%(约合年费率1.1%)等汽车金融方案。 不仅是与传统品牌汽车厂商合作，在新能源汽车市场占有率持续提升的当下，金融机构也加大了与新能 源汽车厂商合作的力度，贴息推出低首付、低利率金融方案，不断丰富消费者的贷款购车选项。 "首付20%起，限时金融2年 ...

"12月是冲销量的关键时刻，车企会联合金融机构，加大汽车消费优惠力度。"中国证券报记者走访北京 地区多家汽车4S店时，多位4S店销售人员表示。 当前正值汽车营销旺季，商业银行、汽车金融公司等金融机构携手汽车厂商，从降低购车成本与简化贷 款流程双维度，发力汽车金融市场。 "0首付""0利率""秒批提车"……诸多利好作用下，汽车金融领域竞争愈发激烈。记者调研发现，今年市 场上开始出现"0首付"叠加"0利率"的超常规金融方案。某银行相关负责人向记者坦言，银行此举既是对 自身业绩冲刺的需要，更是为应对信贷市场变化的战略布局。 多方携手推出年末购车优惠 "前段时间看的这款车，现在贷款购买能直接优惠14万元。而且有'贷5还2'的车贷政策，贷款5年，2年 后就能提前还款。"在北京丰台区的一家传统品牌汽车4S店里，准备购车的夏女士拿着销售人员提供的 金融方案仔细核算。 "为年底冲任务，少量现车有优惠，'0首付'+3年免息太香了！库存补贴+金融补贴双重叠加，优惠直接 拉满。"在社交平台上，记者看到了小鹏汽车北京某销售服务中心的营销广告。该店营销人员小纪告诉 记者，贷款方案可做三年期、五年期。"三年期贷款，就是'0首付'叠加3年 ...

资金流向方面，主力资金净流入3734.01万元，特大单买入1.08亿元，占比12.33%，卖出9163.59万元， 占比10.48%；大单买入2.50亿元，占比28.59%，卖出2.29亿元，占比26.17%。 资料显示，安徽江淮汽车集团股份有限公司位于安徽省合肥市东流路176号，成立日期1999年9月30日， 上市日期2001年8月24日，公司主营业务涉及商用车、乘用车、汽车底盘及汽车核心零配件等的研发、 生产、销售与服务。主营业务收入构成为：商用车54.97%，乘用车25.10%，其他11.82%，客车7.67%， 底盘0.44%。 江淮汽车所属申万行业为：汽车-商用车-商用载货车。所属概念板块包括：华为鸿蒙、安徽国资、无人 驾驶、百度概念、汽车金融等。 截至9月30日，江淮汽车股东户数17.64万，较上期增加24.81%；人均流通股12378股，较上期减少 19.88%。2025年1月-9月，江淮汽车实现营业收入308.73亿元，同比减少4.14%；归母净利润-14.34亿 元，同比减少329.43%。 分红方面，江淮汽车A股上市后累计派现29.00亿元。近三年，累计派现4586.42万元。 机构持仓方 ...

Core Viewpoint - 易鑫集团 (02858.HK) has experienced a significant upward trend, with a recent increase of over 5% and a total rise of more than 22% in the past three days, leading to a market capitalization of 21 billion HKD [1]. Group 1: Recent Developments - The Hong Kong Stock Exchange launched its first index, the Hong Kong Stock Exchange Technology 100 Index, on December 9, and 易鑫集团 has been included as a constituent stock [1]. - The company announced a renewed strategic cooperation agreement with 精真估 (a subsidiary of Tencent) for used car services, effective from January 1, 2026, for a duration of three years [1]. Group 2: Financial Performance and Recommendations - 方正证券 released a research report highlighting 易鑫集团 as a leading third-party automotive finance company, noting the significant success of its used car strategy and high-priced used car business, which supports the company's performance [1]. - The report anticipates continued high growth in the company's performance for the second half of the year and emphasizes the company's commitment to shareholder dividends, giving it a "strongly recommended" rating [1].

Core Viewpoint - 易鑫集团 (02858.HK) has experienced a significant upward trend, with a recent increase of over 5% and a total rise of more than 22% in the past three days, leading to a market capitalization of 21 billion HKD [1] Group 1: Recent Developments - The Hong Kong Stock Exchange launched its first stock index, the Hong Kong Stock Exchange Technology 100 Index, on December 9, and 易鑫集团 was successfully included as a constituent stock [1] - The company announced a renewed strategic cooperation agreement with 精真估 (a subsidiary of Tencent) for used car services, effective from January 1, 2026, for a duration of three years [1] Group 2: Financial Performance and Outlook - 方正证券 published a research report highlighting 易鑫集团 as a leading third-party automotive finance company, noting the significant success of its used car strategy and high-priced used car business, which supports the company's performance [1] - The report anticipates that the company's performance will continue to show high growth in the second half of the year [1] - The company is committed to dividend distribution to shareholders, showcasing a distinctive high dividend feature, and has received a "strong buy" rating from 方正证券 [1]

Core Insights - The integration of finance with the entire automotive lifecycle is emphasized as essential for industry development, highlighting the need for financial services to support manufacturing, circulation, and consumer segments [2][3] - A series of government policies aimed at boosting consumption have positioned finance as a critical enabler in the automotive sector, with initiatives to enhance financial services for consumers and businesses alike [2][3] Group 1: Financial Integration and Policy Support - Financial services are being integrated across the automotive supply chain, from supply chain finance to consumer financing for new and used cars, as well as insurance and leasing services [2] - Recent government policies, including the guidance from the People's Bank of China and other departments, aim to enhance financial support for consumption, thereby stimulating market activity [2][3] Group 2: Automotive Financial Market Dynamics - The automotive financial sector is transitioning from traditional credit growth and price competition to structural optimization and product innovation, with a focus on rational development [5] - The penetration rates of automotive finance companies have been declining due to high-interest competition, prompting a shift towards quality and service rather than scale and price [6] Group 3: Risk Management and Technological Integration - The automotive finance industry is increasingly focusing on risk management and service quality in response to heightened competition and regulatory scrutiny [6][9] - The application of big data, artificial intelligence, and blockchain is reshaping the financial landscape, driving innovation in product offerings and enhancing operational efficiency [7][12] Group 4: Challenges and Solutions for Dealers - Automotive dealers are facing significant operational challenges, including cash flow deficits and increased financial risks, exacerbated by high inventory levels and price wars [9][10] - Initiatives like the "Dealer Health Monitoring" product aim to provide financial institutions with real-time insights into dealer operations, helping to mitigate risks and ensure stable financial support [10][12] Group 5: Future Outlook and Strategic Directions - The automotive supply chain finance is at a critical juncture, with rising risks prompting a shift towards more refined operational strategies and collaborative relationships among industry stakeholders [13] - The focus on data-driven decision-making and risk monitoring is expected to enhance the resilience and sustainability of the automotive finance sector [12][13]

易鑫集团相关人士表示，公司将以此次入选香港交易所科技100指数为新起点，持续深化AI与汽车金融 场景的融合应用，进一步加快对行业的AI赋能。 （编辑 郭之宸） 据悉，香港交易所科技100指数是香港交易所拓展其指数业务的重要里程碑，旨在追踪100家在香港交易 所上市的市值最大的科技公司表现，指数的成分股皆为港股通合资格股票。该指数聚焦人工智能、生物 科技及制药、电动汽车及智能驾驶、信息科技、互联网和机器人六大前沿创新主题，广泛涵盖科技领域 的行业龙头及新兴成长企业。该指数的推出，为投资者提供了权威的科技股投资风向标，有助于进一步 推动区内资本市场生态圈的发展。 易鑫集团此次入选，显示出其"AI驱动型金融科技平台"的定位已备获肯定。近年来，易鑫集团持续发 力，将人工智能技术深度融入汽车金融全链条。2024年易鑫集团成为中国汽车金融领域首个通过生成式 人工智能大模型备案的企业，率先实现业务全场景的AI规模化应用。截至目前，易鑫集团业务已覆盖 全球6个国家、340多个城市，连接了4.4万家经销商与百余家金融机构，累计服务超1500万客户，交易 规模超4000亿元，高度契合指数对科技属性与成长潜力的双重要求。 本报讯 ...

易鑫此次入选，显示出其"AI驱动型金融科技平台"的定位已备获肯定。近年来，易鑫持续发力，将人工 智能技术深度融入汽车金融全链条。2024年易鑫成为中国汽车金融领域首个通过生成式人工智能大模型 备案的企业，率先实现业务全场景的AI规模化应用；2025年，正式发布汽车金融行业首个Agentic大模 型，并开源高性能推理模型和Agentic大模型，成为全球该领域首个开源贡献者。截至目前，易鑫业务 已覆盖全球6个国家、340多个城市，连接了4.4万家经销商与百余家金融机构，累计服务超 1500 万客 户，交易规模超4000亿元，高度契合指数对科技属性与成长潜力的双重要求。 面向未来，易鑫将以此次入选港交所科技100指数为新起点，持续深化AI与汽车金融场景的融合应用， 进一步加快对行业的AI赋能。公司还将积极推动科技解决方案的全球化输出，为行业智能化升级与资 本市场价值增长注入新动能。 12月9日，港交所正式推出其首只港股指数——香港交易所科技100指数(港交所科技100)，易鑫集团 (02858.HK)成功入选为该指数成分股。今年以来，易鑫已先后纳入AH经济成长、港股金融科技等指 数。此次再获新指数认可，标志着其在科 ...

Core Viewpoint - BYD's stock price has shown fluctuations, with a recent increase of 2.02% and a year-to-date rise of 5.17%, indicating a mixed performance in the market [1][2]. Financial Performance - For the period from January to September 2025, BYD achieved a revenue of 566.27 billion yuan, representing a year-on-year growth of 12.75%. However, the net profit attributable to shareholders decreased by 7.55% to 23.33 billion yuan [3]. - The company has distributed a total of 27.86 billion yuan in dividends since its A-share listing, with 24.41 billion yuan distributed in the last three years [4]. Shareholder and Market Activity - As of September 30, 2025, BYD had 642,600 shareholders, an increase of 98.37% from the previous period, with an average of 5,427 circulating shares per shareholder, up by 51.21% [3]. - The stock has seen significant trading activity, with a net inflow of 115 million yuan from main funds and notable buying and selling volumes in recent transactions [1][2]. Ownership Structure - Among the top ten circulating shareholders, Hong Kong Central Clearing Limited holds 265 million shares, an increase of 137 million shares from the previous period. Huatai-PineBridge CSI 300 ETF ranks as the eighth largest shareholder with 46.30 million shares, up by 30.25 million shares [4].

在汽车市场竞争愈发激烈的当下，汽车金融如同一条强有力的纽带正成为汽车消费增长的驱动力。近 日，在2025汽车金融产业峰会上，中国汽车流通协会会长沈进军表示："当前汽车产业正经历深度的调 整升级，作为保持汽车产业链畅通运转的'血液'，汽车金融也被赋予了服务产业发展新的时代责任和更 广阔的潜力空间。"事实上，随着汽车金融地位的凸显，其结构优化与产品创新也在同步进行，而数字 化的赋能也成为行业未来发展大趋势。 沈进军认为，从政策层面看，守住风险底线、强化金融支持的举措体系正在织密和筑牢汽车金融，成为 服务民生之网和产业发展基石。 优化与创新 随着汽车金融重要性的日益提高，其发展动能也正从传统信贷增长和价格竞争，转向结构优化和产品创 新。 地位凸显 今年，汽车行业经历多重变化，其中竞争加剧成为关键词。数据显示，今年前10个月乘用车累计零售 19250万辆，同比增长7.9%；二手车累计交易1649万辆，同比增长3.53%。此外，今年前三季度规模以 上汽车制造企业营业成本同比增长8.6%，利润总额同比增长3.4%。 "'两新'政策对汽车生产消费起到了积极的拉动作用，实现销量和利润的增长。"沈进军坦言，但综合来 说，产业链 ...