近日，中国银行业协会发布《中国汽车金融公司行业发展报告（2025）》。《报告》显示，截至2024年 年末，全国24家汽车金融公司资产规模为8551.34亿元人民币，保持了较高水平；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%，有力地支持了新能源汽车消费和二手车市场发展；批发融资余额769亿元，持续为汽车产业 链提供资金流通支持。 根据《报告》，2024年，汽车金融公司各项监管和管理指标总体保持良好。具体来看，截至2024年年 末，行业平均流动性比率达195.90%，平均资本充足率为26.96%，平均不良贷款率为0.65%，均保持在 较好水平。（新浪财经） ...

Group 1 - The core viewpoint of the report is that the automotive finance industry in China is experiencing significant growth, particularly in the areas of new energy vehicle loans and used car financing, which are crucial for supporting consumption in these markets [1] - As of the end of 2024, the total asset scale of 24 automotive finance companies in China is projected to reach 855.134 billion RMB, indicating a stable and high level of asset management [1] - Retail financing balances are reported at 690.024 billion RMB, with new energy vehicle loans at 204.096 billion RMB, showing a year-on-year growth of 23.44%, and used car loans at 78.381 billion RMB, with a year-on-year growth of 26.06% [1] Group 2 - The report highlights that automotive finance companies are deepening their digital transformation efforts, which enhances operational efficiency and management precision [1] - Key regulatory and management indicators remain strong, with an average liquidity ratio of 195.90%, an average capital adequacy ratio of 26.96%, and an average non-performing loan ratio of 0.65% as of the end of 2024 [1] - The wholesale financing balance is noted to be 76.9 billion RMB, which continues to support the liquidity of the automotive industry supply chain [1]