Group 1 - The Shenzhen Municipal Financial Management Bureau has issued a risk warning regarding personal automobile financing leasing, highlighting that some leasing companies have been publicly listed as non-normative operating entities but continue to engage in personal automobile financing leasing activities [2][3] - A list of non-normative financing leasing companies has been disclosed, including Zhongxiang International Leasing (Shenzhen) Co., Ltd., Zhonghong Leasing (Shenzhen) Co., Ltd., Bafang Leasing (Shenzhen) Co., Ltd., Guangdong Jinyu Leasing Co., Ltd., and Zhongkuan Leasing (Shenzhen) Co., Ltd., most of which are registered in Qianhai [2][3] - The financial authority advises citizens to enhance their risk awareness and verify the operational qualifications of financing leasing companies before engaging in business with non-normative entities [3] Group 2 - Automobile financing leasing is a modern marketing model that allows customers to obtain vehicle ownership after paying rent over a specified period, commonly referred to as "rent-to-own" [4] - The financing leasing model involves multiple parties, including automobile manufacturers, banks, insurance companies, franchisees, and consumers, and has gained popularity due to low down payment options amid automotive price wars and financial incentives [4] - Risks associated with this model include conditions for ownership transfer, early settlement and penalty fees, hidden costs, and issues related to vehicle repossession in case of overdue payments [5]