来源：@智通财经APP微博 【#年末购车优惠有4S店贷款买便宜14万#】#银行车企为冲业绩0首付0利率揽客# 【#年末购车优惠有4S店贷款买便宜14万#】#银行车企为冲业绩0首付0利率揽客# "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。"在北京市丰台区的一家传统品牌汽车4S店里，夏女士一边指着销售人 员提供的金融方案，一边告诉记者。 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。"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。（中国证券报） "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。"在北京市丰台区的一家传统品牌汽车4S ...

Core Insights - The automotive industry is experiencing a slight increase in consumer spending, with September's automotive consumption reaching 471.1 billion yuan, a year-on-year growth of 2%, and a total of 3,592.3 billion yuan from January to September, reflecting a 1% increase [1] - Consumer demand is a critical driver in the automotive supply chain, influencing resource allocation and development directions across the industry [1] - Financial institutions are adapting their credit products to stimulate consumer demand, thereby enhancing the operational dynamics of the automotive supply chain [1][2] Automotive Financial Landscape - The automotive industry is a vital pillar of the national economy, facing challenges such as reduced consumer demand and supply chain disruptions, including chip shortages [2] - Banks maintain a significant position in the market due to their cost advantages, offering attractive credit products to high-quality customers with good credit histories [2][3] - Automotive finance companies are emerging as important players, complementing banks and providing diverse financial solutions to meet varying customer needs [3] Policy and Market Dynamics - Recent policy changes, such as the reduction of reserve requirements for automotive finance companies, are expected to release significant funds, enhancing the credit supply to the automotive supply chain [3] - The automotive finance market is projected to reach a scale of 3 trillion yuan by 2024, with a penetration rate nearing 70% [4] Consumer Protection and Compliance - The automotive finance sector has faced issues related to high-interest rates and misleading promotions, which can harm consumer rights [4][5] - Regulatory bodies are taking steps to eliminate high-interest practices, promoting fair pricing and transparency in the automotive finance market [5] - Financial institutions are encouraged to adopt a balanced approach in their pricing strategies and to provide clear information to consumers to foster a healthier competitive environment [5]

Core Viewpoint - The "high interest high rebate" model for car installment loans is set to be discontinued by certain state-owned banks starting June 1, as part of a broader regulatory effort to address issues of unfair competition and consumer protection in the automotive finance sector [2][8]. Group 1: Industry Changes - A major state-owned bank has stopped accepting applications for the "high interest high rebate" car installment loans, following the issuance of self-regulatory agreements by various banking associations prohibiting high-commission financial products [2][9]. - The "high interest high rebate" model involved banks paying substantial commissions to car dealers to attract customers, which led to misleading practices and potential risks for all parties involved [2][4]. - Many banks are now implementing stricter policies regarding early repayment, with some requiring penalties for customers who wish to pay off their loans early [4][10]. Group 2: Consumer Impact - Complaints regarding car loans and early repayment issues have surged, with thousands of complaints highlighting the lack of transparency and clarity around penalty fees [5][6]. - Consumers have reported that sales personnel often fail to adequately inform them about the terms of early repayment and associated penalties, leading to confusion and potential financial burdens [5][6]. - The discontinuation of the "high interest high rebate" model may lead to reduced consumer benefits, as the previous structure allowed for significant discounts through rebates [10][11]. Group 3: Regulatory Actions - The National Financial Supervision Administration has mandated a comprehensive cleanup of the "high interest high rebate" business model, indicating that it may violate laws against unfair competition and potentially constitute usury [6][8]. - Multiple banking associations have introduced self-regulatory agreements aimed at curbing the use of high commissions and ensuring fair competition in the automotive finance market [9][10]. - The recent regulatory changes are expected to promote transparency and protect consumer rights, requiring dealers to fully disclose the costs associated with financing options [8][9].

Core Viewpoint - The "high interest high rebate" model for car loans is being phased out across multiple regions, with banks suspending this practice due to regulatory pressures and profitability concerns [1][4][7]. Summary by Sections Policy Changes - Many regions, including Sichuan and Henan, have begun to implement self-regulatory agreements aimed at curbing high rebates in car loans, indicating a trend towards the cessation of the "high interest high rebate" model [1][4][7]. - Major banks such as ICBC, CCB, and BOC have notified dealers to halt this model, which has been prevalent in the market [4][5]. Impact on Consumers - Consumers who previously benefited from the "high interest high rebate" model are now facing the withdrawal of these incentives, which included significant rebates that made loan purchases cheaper than cash purchases [3][9]. - The new policies may require consumers to meet longer repayment terms before being eligible for penalty-free early repayment, shifting from "loan 5, full 2" to "loan 5, full 3" [8][9]. Industry Dynamics - The "high interest high rebate" model was primarily driven by banks' need to capture market share, leading to high commission payments to dealers, which ultimately eroded bank profits [5][7]. - The average loan duration for car loans is significantly shorter than banks anticipated, leading to financial losses when high rebates are paid out [8]. Future Outlook - The cessation of the "high interest high rebate" model is expected to lead to a more stable and sustainable banking environment, focusing on actual market needs rather than aggressive rebate competition [9]. - Banks are likely to adapt by enhancing service quality and operational efficiency rather than relying on high rebates to attract customers [9].

Core Viewpoint - The "high interest high rebate" model for auto loans is being phased out across multiple regions in China, with banks suspending this practice due to regulatory pressures and profitability concerns [1][3][5]. Group 1: Policy Changes - Several regions, including Sichuan and Henan, have seen local banking associations issue self-regulatory agreements targeting high rebates [1][5]. - Major banks such as ICBC, CCB, and BOC have begun notifying dealers to halt the "high interest high rebate" model, which has been prevalent in the market [3][5]. - The adjustment in policy is expected to lead to a significant reduction in bank subsidies for car purchases, impacting the overall cost for consumers [2][3]. Group 2: Market Impact - Consumers previously benefited from lower costs through the "long loan short repayment" model, which allowed early repayment without penalties [3][6]. - The new policies may require consumers to repay loans for a longer period before being eligible for penalty-free early repayment, potentially increasing their overall costs [2][6]. - The shift away from high rebates is anticipated to lead to a more stable and sustainable relationship between banks and auto dealers, reducing market distortions [4][7]. Group 3: Industry Dynamics - The "high interest high rebate" phenomenon arose from banks' need to attract customers in a competitive market, often leading to unsustainable practices [4][5]. - The current economic environment has made the continuation of high rebate models untenable, prompting banks to seek alternative strategies for customer acquisition [4][7]. - Analysts suggest that while the immediate impact may result in some loss of customer resources, the long-term focus will shift towards enhancing service quality and product offerings [6][7].

2025.04. 24 本文字数：2937，阅读时长大约4分钟 导读 ： 今年以来，部分区域银行悄然调整车贷政策。 作者 | 第一财经 王方然 "最近已经通知了，工商银行、农业银行的提前还款政策由'贷5满2'（即五年期车贷，满2年可提前还 款，下同）变为'贷5满3'。"浙江某4S店销售告诉记者，这意味着客户至少需要还车贷满3年才能免违 约金。 长期以来，银行通过"高息高返"模式与经销商绑定。在这一模式下，银行向经销商支付10%～15%佣 金来吸引其向客户推荐自家车贷产品，经销商则用返佣补贴车价。但实践中，部分经销商会利用可提 前还款的规则,向客户推荐"长贷短还"的方案，一定程度上影响了银行的利润空间。 值得注意的是，监管层已开始出手整顿。2024年开始，多地金融监管部门明确禁止"贷款利率与经销 商返佣挂钩"的不正当竞争。业内人士认为，此次银行政策收紧，既是应对监管要求，更是对自身"高 返佣后遗症"的补救。 多家银行延长车贷提前还款政策 近日，记者从业内获悉，浙江地区多家银行对车贷提前还款政策进行了调整，延长客户提前还款减免 违约金的最低还款年限。5年期满2年改为满3年，未达到最低期限提前还款将收取相应比例违约 ...

"最近已经通知了，工商银行、农业银行的提前还款政策由'贷5满2'（即五年期车贷，满2年可提前还 款，下同）变为'贷5满3'。"浙江某4S店销售告诉记者，这意味着客户至少需要还车贷满3年才能免违约 金。 今年以来，部分区域银行悄然调整车贷政策，不仅延长免违约金的最短还款年限，还提高了提前还款的 违约成本。 今年以来，部分区域银行悄然调整车贷政策。 这一调整被视为银行对"长贷短还"（即客户申请5年期贷款，在1年或2年后提前还款可减免违约金）模 式的直接反击。 长期以来，银行通过"高息高返"模式与经销商绑定。在这一模式下，银行向经销商支付10%～15%佣金 来吸引其向客户推荐自家车贷产品，经销商则用返佣补贴车价。但实践中，部分经销商会利用可提前还 款的规则,向客户推荐"长贷短还"的方案，一定程度上影响了银行的利润空间。 值得注意的是，监管层已开始出手整顿。2024年开始，多地金融监管部门明确禁止"贷款利率与经销商 返佣挂钩"的不正当竞争。业内人士认为，此次银行政策收紧，既是应对监管要求，更是对自身"高返佣 后遗症"的补救。 多家银行延长车贷提前还款政策 近日，记者从业内获悉，浙江地区多家银行对车贷提前还款政策进行了 ...