Core Insights - The automotive industry is undergoing deep adjustments and upgrades in its high-quality development process, with automotive finance being crucial for maintaining the smooth operation of the industry chain [1] - Policy measures are being implemented to strengthen financial support while ensuring risk management, establishing automotive finance as a foundation for both livelihood services and industrial development [1] - The dynamics of automotive finance are shifting from traditional credit growth and price competition to structural optimization and product innovation, with a notable transition from high-return competition to rational development [1] Group 1 - Automotive finance is evolving with a richer array of financial products, moving beyond traditional car loans to innovative models such as battery leasing, charging rights, and after-sales leasing [1] - The competition in the automotive finance market is intensifying, leading to compressed profit margins and increased complexity in risk management [1] - Consumer demands for convenience, transparency, and personalization in financial services are on the rise [1] Group 2 - Recommendations for further integration of automotive finance and the automotive market include a "deep integration" approach, ensuring financial services span the entire lifecycle of vehicles [2] - Emphasis on "technology-driven" solutions, utilizing big data, artificial intelligence, and blockchain to reshape the financial landscape and enhance efficiency [2] - Automotive finance is positioned to act as a "catalyst" and "accelerator" for green transformation, promoting the consumption and popularization of new energy and intelligent connected vehicles through innovative green financial products [2]