日前，中国银行业协会发布了《中国汽车金融公司行业发展报告（2025）》。报告显示，截至2024年 末，全国24家（华泰汽车金融除外）汽车金融公司资产规模为8551.34亿元。零售融资余额6900.24亿 元，其中新能源汽车贷款余额2040.96亿元，同比增长23.44%；二手车贷款余额783.81亿元，同比增长 26.06%，有力支持了新能源汽车消费和二手车市场发展。（中国汽车报） ...

Core Insights - The report indicates that by the end of 2024, the total asset scale of 24 automotive finance companies in China will exceed 855.13 billion yuan, maintaining a high level of performance [1] - Retail financing balance is projected to be 690.02 billion yuan, with significant growth in loans for new energy vehicles and used cars, reflecting strong support for the consumption of new energy vehicles and the used car market [1] Industry Overview - The automotive finance industry is expected to benefit from ongoing economic improvement and policy support, with production and sales of vehicles projected to surpass 30 million units, showcasing resilience and vitality [1] - The rise of new energy vehicles, breakthroughs in intelligent technology, and diversified consumer demand are reshaping the automotive industry landscape [1] Financial Performance - As of the end of 2024, the average liquidity ratio of the industry is expected to reach 195.90%, with an average capital adequacy ratio of 26.96% and an average non-performing loan ratio of 0.65%, indicating a stable financial environment [2] - Automotive finance companies are focusing on innovation and specialization in financial services to enhance their competitive edge in a challenging market [2] Strategic Initiatives - Companies are enhancing their digital transformation efforts to improve operational efficiency and management precision, while also adhering to regulatory requirements [2][3] - There is a strong emphasis on developing targeted financial products in collaboration with manufacturers, creating a seamless online financial service experience, and improving brand influence through new media [3] Social Responsibility - Automotive finance companies are actively engaging in social responsibility initiatives, including support for small and micro enterprises, and various charitable activities aimed at promoting sustainable development [3] Future Outlook - The automotive finance industry is expected to continue its self-upgrading and innovation, exploring a uniquely Chinese path in automotive finance to support high-quality development in the automotive sector [3]