在汽车市场竞争愈发激烈的当下，汽车金融如同一条强有力的纽带正成为汽车消费增长的驱动力。近 日，在2025汽车金融产业峰会上，中国汽车流通协会会长沈进军表示："当前汽车产业正经历深度的调 整升级，作为保持汽车产业链畅通运转的'血液'，汽车金融也被赋予了服务产业发展新的时代责任和更 广阔的潜力空间。"事实上，随着汽车金融地位的凸显，其结构优化与产品创新也在同步进行，而数字 化的赋能也成为行业未来发展大趋势。 沈进军认为，从政策层面看，守住风险底线、强化金融支持的举措体系正在织密和筑牢汽车金融，成为 服务民生之网和产业发展基石。 优化与创新 随着汽车金融重要性的日益提高，其发展动能也正从传统信贷增长和价格竞争，转向结构优化和产品创 新。 地位凸显 今年，汽车行业经历多重变化，其中竞争加剧成为关键词。数据显示，今年前10个月乘用车累计零售 19250万辆，同比增长7.9%；二手车累计交易1649万辆，同比增长3.53%。此外，今年前三季度规模以 上汽车制造企业营业成本同比增长8.6%，利润总额同比增长3.4%。 "'两新'政策对汽车生产消费起到了积极的拉动作用，实现销量和利润的增长。"沈进军坦言，但综合来 说，产业链 ...

Core Insights - The automotive finance sector is becoming a crucial driver for growth in automotive consumption amidst increasing market competition [1][3] - The automotive industry is undergoing significant adjustments, with automotive finance being recognized as essential for maintaining the smooth operation of the automotive supply chain [1][3] - Digitalization is identified as a major trend for the future development of the automotive finance industry [1][9] Market Performance - In the first ten months of the year, retail sales of passenger vehicles reached 19.25 million units, a year-on-year increase of 7.9%, while used car transactions totaled 16.49 million units, up 3.53% [3] - The operating costs of large-scale automotive manufacturing enterprises increased by 8.6% year-on-year, with total profits rising by 3.4% [3] - The retail sales of automotive consumer goods amounted to 4 trillion yuan, showing a slight decline of 0.2% year-on-year [3] Dealer Challenges - Only 20% of dealerships are currently profitable, highlighting the challenges faced by automotive dealers due to low sales margins and intense market competition [4] - The loss ratio among automotive dealers increased to 52.6% in the first half of the year, with new car gross margins contributing negatively at -22.3% [3][4] - The contribution of after-sales and financial insurance to dealership gross margins was significantly higher than that of new car sales, at 63.8% and 36.2% respectively [4] Policy Support - Recent policies aim to enhance financial support for automotive consumption, including measures to increase credit support for automotive loans and optimize financial products for various purchasing scenarios [5] - The People's Bank of China and other departments have issued a plan to boost consumption through financial support, particularly for new energy vehicles [5] Financial Product Innovation - The automotive finance sector is shifting from traditional credit growth to structural optimization and product innovation [6] - Retail sales of new energy passenger vehicles reached 10.15 million units, marking a 21.9% increase, indicating a shift in focus for automotive finance products [6] - The trend is moving towards providing comprehensive lifecycle services for consumers, including insurance, maintenance, and mobility solutions [6][7] Digital Transformation - The integration of big data, artificial intelligence, and blockchain is reshaping the financial landscape within the automotive sector [9][10] - Financial institutions are increasingly adopting intelligent methods for risk management, combining human expertise with AI for better risk identification [9][10] - The future of automotive finance is expected to be characterized by smart financial solutions that leverage technology for cost reduction and enhanced service quality [10]