"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。 "12月是冲销量的关键月份，车企会联合金融机构，加大汽车消费优惠力度。"多位汽车4S店销售人员告 诉记者。事实上，银行年末冲刺车贷业务并非新鲜事，但今年的力度尤为明显。某国有大行相关负责人 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进行战略布局。 汽车消费作为大宗消费的重要组成部分，具有需求稳定、场景明确、风险可控等优势，尤其是新能源汽 车市场快速增长，为金融机构汽车金融业务提供了新的增长空间。然而，当金融回归服务本质，金融机 构能否告别"价格战"迷思，找到健康增长的业务新引擎？ ● 本报记者 张佳琳 让利抢市场 "前段时间，这款车要价52.98万元，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，即 贷款5年，2年后就能提前还款。"在北京市 ...

Core Viewpoint - The Chinese banking and insurance industry is undergoing a resilient transformation in response to challenges such as narrowing net interest margins, declining interest rates, and economic growth pressures, aiming to reshape its development logic by 2025 [1] Group 1: Banking Sector Strategies - The banking sector is actively optimizing its asset-liability structure by reducing high-cost deposits and increasing the proportion of demand deposits to lower funding costs [1] - Banks are focusing on non-interest income by expanding intermediary businesses and leaning towards areas like agency insurance and wealth management to alleviate profit pressure from narrowing net interest margins [1] Group 2: Insurance Sector Innovations - The insurance industry is transforming by enhancing risk control, distribution channels, and product offerings, accelerating the shift towards dividend insurance and other floating income products to reduce rigid liability costs [1] - Technology is being leveraged to improve risk control systems and enhance backend service response efficiency, thereby improving consumer experience [1] Group 3: Upcoming Financial Development Conference - The "2025 Financial Development Conference" will be held on November 7, focusing on themes such as "resilience transformation" and "intelligent empowerment," discussing value creation, unique financial cultivation, and differentiated competitiveness [1][2] - The conference will feature keynote speeches from financial regulatory leaders and heads of major banking and insurance institutions, providing insights into macro policy guidance and institutional transformation practices [2] Group 4: Research and Data Outputs - The conference will release significant research findings, including the "2025 Wealth Management Market Report" and the "Annual Dividend Insurance Report," which will analyze the latest trends and consumer demands in the wealth management sector [3] - Two parallel closed-door forums will address specific industry pain points, focusing on the rise of dividend insurance and the survival strategies of small and medium-sized financial institutions [3] Group 5: Awards and Recognition - The "Golden Ding Award," held concurrently with the conference, will recognize 29 awards reflecting the resilience and breakthroughs in the financial industry, emphasizing differentiated competitiveness and technological empowerment [4][5] - The award evaluation process includes a three-dimensional model of self-declaration, third-party data collection, and recommendations from judges, ensuring comprehensive and objective assessments [5] - New award categories have been introduced to reflect industry changes, including a specific focus on dividend insurance, highlighting the emerging trends in this sector [6]