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 ...