Core Insights - The automotive finance industry is expected to shift towards quality and efficiency enhancement in 2026, with opportunities focusing on compliance, technology empowerment, and international expansion [1][10] Group 1: Industry Trends - The automotive finance sector is currently experiencing low-level competition, primarily focused on price reduction, leading to unsustainable profits [3] - The overseas market, particularly in new energy vehicles and commercial vehicle exports, is seen as a key direction for breaking through industry challenges [3] - The car mortgage business is anticipated to thrive in 2026 due to increased funding, improved customer acquisition models, and optimized business processes [7] Group 2: Technology and AI Integration - AI is reshaping the automotive finance industry by enhancing efficiency, optimizing service experiences, and expanding business boundaries [4] - The transition from "single-point intelligence" to "global intelligence" in AI applications is crucial for improving overall process efficiency [4] Group 3: Compliance and Regulation - Compliance is fundamental for sustainable growth in the automotive finance sector, especially with the increasing application of AI [9] - Companies that prioritize compliance and consumer rights protection will have a competitive advantage in capturing market opportunities [9][10] - Adhering to local market regulations is essential for building trust in overseas markets, which is a core competitive advantage for financial technology companies [9]

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]

当前国内汽车行业正处于向高质量发展转型的深度调整期，作为连接汽车产业供需两端的汽车金融行 业，也进入到从规模扩张向质效提升发展的关键阶段。 11月26日至28日，中国汽车流通协会汽车金融分会举办的2025汽车金融产业峰会（以下简称"峰会"） 上，政府、协会以及银行、保险、汽车金融公司、汽车金融服务商等汽车金融市场主体，立足各自的市 场定位和资源禀赋，共同探索新的市场环境下，汽车金融行业发展的挑战、机遇和应对之道。 新能源汽车出海是当前汽车行业发展的主要趋势之一。在此背景下，如何为新能源车企出海提供优质的 金融服务，成为银行开拓汽车金融市场的新议题。 "出海的头部新能源车企的需求更多集中在顺畅的国际结算、报关、结售汇，以及海外市场拓展过程中 衍生出来的金融需求。"上海银行（601229）普惠业务部副总经理陈杰表示，对于汽车出口贸易领域内 缺资金的小企业，银行在考虑为这类企业提供融资服务时，也面临汽车出口海外后的风险把控问题等。 汽车金融行业"破局"增长 汽车金融行业进入理性发展阶段 "汽车金融发展动能正从传统信贷增长和价格竞争，转向结构优化和产品创新。"中国汽车流通协会名誉 会长沈进军表示，今年以来，汽车金融领 ...

Core Viewpoint - The rise of "rent-to-own" models in the car rental industry has led to consumer complaints about misleading practices and difficulties in returning vehicles, highlighting a significant information asymmetry between rental companies and consumers [1][2]. Group 1: Business Practices - Some car rental companies are promoting "rent-to-own" schemes that appear flexible but often involve hidden traps for consumers, leading to challenges in returning vehicles and enforcing rights [1][2]. - The "rent-to-own" model is essentially a disguised installment payment plan for purchasing vehicles, where rental companies use persuasive tactics to get consumers to sign agreements that may not be honored later [1][2]. Group 2: Consumer Rights and Protections - Consumers face significant obstacles when attempting to return vehicles or seek redress, as contracts are heavily skewed in favor of the rental companies, making it difficult to win legal battles [2][3]. - There is a pressing need for consumers to be cautious and informed, emphasizing the importance of thoroughly reviewing contracts and understanding vehicle conditions to avoid falling into traps [2]. Group 3: Regulatory and Legal Framework - There is a call for regulatory bodies to implement special measures to address the deceptive practices associated with "rent-to-own" schemes, including standardizing contracts and enhancing consumer legal literacy [3]. - Legal action should be taken against companies engaging in fraudulent practices, ensuring that victims of such schemes receive support and that violators face consequences [3].

因此，所有对"以租代购"有需求的消费者，亟需汲取汽车租赁公司套路租车者的教训：首先，不要轻易 相信商家"随时退车"等口头承诺；其次，要对租车合同详细研读，必要时请教法律人士；再次，要对汽 车真实车况了如指掌，避免埋雷。另外，还要懂得收集相关证据，便于日后维权。只有消费者变强大才 能避免上当。 从执法和监管角度来说，要对套路化"以租代购"进行专项整治，譬如，规范以租代购合同是防范商家侵 权的重要一环；对消费者加强精准普法提升"免疫力"也不可或缺；积极受理投诉、定期发布风险提示也 有现实意义；对涉嫌欺诈的，要为受害者撑腰，让侵权付出代价。总之，别让套路化"以租代购"变成汽 车销售之道。 这种"以租代购"的套路，既涉及小汽车也涉及货车。部分消费者因"租赁期内想退就退，不退还能得 车""征信存在问题无法正常贷款"，对"以租代购"有需求，而部分商家看到了商机，通过"以租代购"来 获利。 如果说商家以诚信态度、规范合同经营"以租代购"业务，这未尝不是好事，既创新了汽车租赁业务、销 售业务，也满足了消费者需要。然而，部分商家为了获取更多利益，围绕"以租代购"玩起套路，除了通 过话术误导、欺骗租车者外，有的还直接在合同里"做 ...