这一举措将年初燃起的车企"超长周期车贷"竞争推向"新高潮"。1月以来，特斯拉、小米、理想、小 鹏、吉利银河、岚图等车企已率先打破传统1-5年车贷期限常规，密集推出"7年低息"方案。 车贷"卷到"8年了，又一车企推出超长期低息金融方案。 2026年2月4日，东风日产官方微博公布一购车政策：旗下天籁·鸿蒙座舱推出限时金融方案：0首付、8 年超长低息贷款，日供低至55元。 东风日产强调，上述月供金额以天籁·鸿蒙座舱舒适版(车价129900元)为例测算:0首付，融资期限96期(8 年)，客户利率4.88%。 而在前一日，东风日产已宣布全系车型同步这一超长期金融方案，覆盖N6、N7、轩逸经典等主力产 品，支持96期分期，首付为0元，其中轩逸经典日供低至27元，期限为2月3日至2月28日。 记者从东风日产销售人员处了解到，上述方案主要由东风旗下的东风日产汽车金融有限公司提供，属于 持牌汽车金融公司。 但硬币的另一面是，对消费者而言，拉长还款周期意味着总利息支出增加，消费者需量力而行。 另外，车辆残值风险不容忽视。据中国汽车流通协会披露：2025年10月，插电混动车型保值率仅为 43.7%，纯电动车型更是下滑至42%，而同 ...

记者丨 曹媛 编辑丨孙超逸 车贷"卷到"8年了，又一车企推出超长期低息金融方案。 2026年2月4日，东风日产官方微博公布一购车政策：旗下天籁·鸿蒙座舱推出限时金融方案：0 首付、8年超长低息贷款，日供低至55元。 东风日产强调，上述月供金额以天籁·鸿蒙座舱舒适版(车价129900元)为例测算:0首付，融资期 限96期(8年)，客户利率4.88%。 而在前一日，东风日产已宣布全系车型同步这一超长期金融方案，覆盖N6、N7、轩逸经典等 主力产品，支持96期分期，首付为0元，其中轩逸经典日供低至27元，期限为2月3日至2月28 日。 记者从东风日产销售人员处了解到，上述方案主要由东风旗下的东风日产汽车金融有限公司提 供，属于持牌汽车金融公司。 这一举措将年初燃起的车企"超长周期车贷"竞争推向"新高潮"。1月以来，特斯拉、小米、理 想、小鹏、吉利银河、岚图等车企已率先打破传统1-5年车贷期限常规，密集推出"7年低息"方 案。 各车企"长期低息"方案差异显著：首付门槛从0%至25%+跨度较大，特斯拉设置高首付低费率 档位；年化利率区间为0.98%-4.69%，特斯拉成本最低；放贷机构方面，仅特斯拉与中信银 行、浦发银 ...

车贷"卷到"8年了，又一车企推出超长期低息金融方案。 2026年2月4日，东风日产官方微博公布一购车政策：旗下天籁·鸿蒙座舱推出限时金融方案：0首付、8年超长低息贷款，日供低 至55元。 东风日产强调，上述月供金额以天籁·鸿蒙座舱舒适版(车价129900元)为例测算:0首付，融资期限96期(8年)，客户利率4.88%。 而在前一日，东风日产已宣布全系车型同步这一超长期金融方案，覆盖N6、N7、轩逸经典等主力产品，支持96期分期，首付为 0元，其中轩逸经典日供低至27元，期限为2月3日至2月28日。 记者从东风日产销售人员处了解到，上述方案主要由东风旗下的东风日产汽车金融有限公司提供，属于持牌汽车金融公司。 这一举措将年初燃起的车企"超长周期车贷"竞争推向"新高潮"。1月以来，特斯拉、小米、理想、小鹏、吉利银河、岚图等车企 已率先打破传统1-5年车贷期限常规，密集推出"7年低息"方案。 各车企"长期低息"方案差异显著：首付门槛从0%至25%+跨度较大，特斯拉设置高首付低费率档位；年化利率区间为 0.98%-4.69%，特斯拉成本最低；放贷机构方面，仅特斯拉与中信银行、浦发银行合作，其余多依赖厂家金融或融资租赁公 ...

2月4日，东风日产在官方微博发布消息称，天籁·鸿蒙座舱推出2月限时购车优惠——0首付8年超长低息，日供55元。 此前一日，东风日产在官方微博发布消息称，东风日产N6、N7、探路、奇峻·荣誉、逍客·荣誉、全新轩逸、轩逸经典等，全部享受8年超长期低息购车方 案，可96期分期，首付0元。其中，轩逸经典日供为27元。此次优惠时间为2月3日到2月28日。 | 东风日产N6 | ○元 | 46元 | | --- | --- | --- | | 东风日产N7 | ○元 | 48元 | | 天籁 · 鸿蒙座舱 | ○元 | 55元 | | 探陆 | ○元 | 81元 | | 奇骏 · 荣誉 | ○元 | 50元 | | 道客 · 荣誉 | ○元 | 39元 | | 全新轩逸 | ○元 | 32元 | | 轩逸经典 | ○元 | 27元 | 据东风日产介绍，这是行业独有的超长期低息。今年1月以来，特斯拉、小米、理想、小鹏、岚图、吉利银河、东风奕派等主流车企先后推出7年低息贷款方 案，大幅降低了购车门槛。这给包括东风日产的其他车企无疑带来了巨大压力。 业内分析认为，车企开年加码优惠，主要是为了对冲新能源汽车加征购置税带来的影响。 ...

Core Viewpoint - The article discusses the challenges and strategies of Dongfeng Nissan in the electric vehicle (EV) market, emphasizing the need for joint venture brands to adapt quickly to changing consumer preferences and market dynamics [2][3]. Group 1: Market Positioning and Consumer Engagement - Dongfeng Nissan's strategy focuses on appealing to younger consumers, with 60% of N6 buyers citing aesthetics as their primary reason for purchase [5]. - The concept of "emotional value" is highlighted as essential, where products must resonate with consumers beyond basic functionality, emphasizing co-creation with users [6]. - The N7 and N6 models have seen significant interest, with N7 having a 30% trade-in rate from fuel vehicles, while N6 attracts 60-80% new customers [8]. Group 2: Product Development and Strategy - The choice of a sedan for the N series over an SUV is strategic, as the market for compelling electric sedans is limited compared to SUVs [7]. - Dongfeng Nissan aims to break traditional barriers in product development by gaining local definition rights and speeding up decision-making processes [13][14]. - The company plans to invest 10 billion yuan by the end of 2026 to expand its R&D team to 4,000 people, indicating a long-term commitment to electrification and intelligence [22]. Group 3: Learning from New Forces - Dongfeng Nissan is adopting a project-based operational model inspired by companies like Huawei, aiming to enhance efficiency and responsiveness to market changes [28][29]. - The company acknowledges the need to learn from successful new energy vehicle brands to better meet evolving consumer demands [29]. Group 4: Future Product Plans - By 2027, Dongfeng Nissan plans to launch six new electric models, including two sedans in 2025 and a focus on SUVs with the NX8 model expected to launch in March-April 2026 [30]. - The sales target for new models is set at over 5,000 units per month to be considered successful, with 10,000 units seen as a benchmark for a "hit" product [32].

Core Viewpoint - The transformation of joint venture brands in the electric vehicle market is ongoing, with a focus on appealing to younger consumers and adapting to market demands [1] Group 1: Company Strategy and Market Position - Dongfeng Nissan's new energy models N7 and N6 have seen significant pre-order success, with over 20,000 orders for N7 in 50 days and over 10,000 for N6 in 10 days, but the brand still faces challenges in establishing a market-defining electric vehicle [1][2] - The company aims to enhance its appeal to younger consumers by emphasizing design, with 60% of N6 buyers citing aesthetics as their primary reason for purchase [3] - Dongfeng Nissan plans to invest 10 billion yuan by the end of 2026 to expand its R&D team to 4,000 people, indicating a long-term commitment to electric and intelligent vehicle development [16] Group 2: Product Development and Consumer Engagement - The company has shifted its product development approach to prioritize local market needs, gaining product definition rights in China starting with the N7 [9] - Dongfeng Nissan is adopting a simplified product configuration strategy, offering only two versions of new models to streamline consumer choices [11][12] - The N6 model is designed to appeal to new customers, with approximately 60-80% of its buyers being first-time Nissan customers [6] Group 3: Competitive Landscape and Future Plans - The company recognizes the competitive nature of the automotive market by 2026 and is focused on meeting customer demands to avoid falling behind [1][15] - Dongfeng Nissan plans to launch six new energy models by the end of 2027, including two sedans in 2025 and an SUV model NX8 targeting the 200,000 yuan market segment [22] - The company is learning from successful competitors like Huawei and Li Auto, adapting project-based operations to enhance efficiency and responsiveness [20][21]

Core Insights - The electric transformation of the Chinese automotive market is deepening, posing significant challenges to traditional joint venture brands like Dongfeng Nissan [1][6] - Dongfeng Nissan has shown some positive signals in sales growth in mid-2025, but still faces substantial structural issues and market dependency on a single model [2][3] Sales Performance - Dongfeng Nissan's sales peaked at over 1.31 million units in 2018-2019 but have since declined, with 2022 sales dropping to 920,900 units (down over 20% YoY) and further declining to 791,000 units in 2023 (down 14.1% YoY) [2] - In 2024, sales are projected to fall to 631,000 units (down 20.2% YoY), with 480,000 units sold in the first ten months of 2025, a decrease of approximately 7.5% compared to the same period in 2024 [2] Model Dependency - The Nissan Sylphy remains a core model, with 34,000 units delivered in October 2025 and accounting for nearly 49% of total sales in China [2] - Other brands under Dongfeng Nissan, such as Venucia and Infiniti, are struggling, with combined sales of less than 2,000 units in October 2025 [3] New Energy Vehicle Strategy - Dongfeng Nissan is focusing on new energy vehicle (NEV) transformation, planning to invest 10 billion yuan and expand its R&D team to 4,000 by the end of 2026, with five new models expected [4] - The N7, a key pure electric model, has shown fluctuating sales, with 39,000 units delivered in the first ten months of 2025, ranking low in its segment [4] Technical Challenges - Dongfeng Nissan's technology adaptation and localization efficiency are under scrutiny, with its end-to-end intelligent driving system lagging behind competitors like Huawei and XPeng [5] - User feedback indicates quality control issues, with numerous complaints about the N7 model, highlighting shortcomings in product quality and after-sales service [5] Industry Context - The challenges faced by Dongfeng Nissan reflect broader issues for traditional joint venture brands in adapting to the electric wave in China, balancing global technology standards with local market demands [6] - The need for these brands to convert technological investments into market-accepted products and improve user response efficiency is critical for future success [6]

Core Insights - The competition in China's automotive market has intensified as 2025 approaches, with leading companies maintaining steady growth while the second-tier companies, including Geely, Changan, and Chery, are engaged in fierce sales battles [1][2][3] Group 1: Sales Performance - BYD's sales in November reached approximately 480,000 units, a slight decrease from 507,000 units in the same month last year, with a cumulative sales of about 4.182 million units from January to November, reflecting a year-on-year growth of 11.3% [2] - SAIC Motor's November sales were around 461,000 units, with a cumulative total of approximately 4.108 million units for the first eleven months, marking a year-on-year increase of 16.4% [2] - China FAW's November sales were 306,000 units, with a total of 2.995 million units sold from January to November, showing a year-on-year growth of 4.8% [3] - Geely's cumulative sales for the first eleven months reached 2.788 million units, representing a year-on-year growth of 42% [3] - Changan's sales for the first eleven months were approximately 2.658 million units, with a year-on-year increase of 9.25% [4] - Chery's cumulative sales for the first eleven months were about 2.5615 million units, reflecting a year-on-year growth of 11.1% [5] Group 2: Market Trends - The market share of domestic brands has been expanding, with a market share of 68.6% for domestic passenger cars in October and 65.2% for the first ten months of the year [6] - New energy vehicles (NEVs) continue to be a major driver of market growth, with retail sales of NEVs reaching approximately 849,000 units from November 1 to 23, a year-on-year increase of 3% [7] - The penetration rate of NEVs in the passenger car market reached 61.3% in November, with a wholesale penetration rate of 58.8% [7] - Joint venture brands, previously lagging in the NEV sector, are now accelerating their efforts, with several new plug-in hybrid models set to launch in the coming year [7]

Core Viewpoint - The article discusses the evolving landscape of the Chinese automotive market, particularly focusing on the challenges and strategies of joint venture (JV) car manufacturers in the context of increasing competition from domestic brands and the shift towards electric vehicles (EVs) [1][11]. Group 1: Market Dynamics - The upcoming Guangzhou Auto Show is set against a backdrop of local purchase subsidies and confirmed tax exemptions for vehicle purchases, raising concerns about the future of the car market [1]. - Joint venture car manufacturers, once dominant, are now facing significant pressure as they adapt to the rapidly changing market, particularly in the electric vehicle sector [3][11]. - The competitive landscape is characterized by a price war and a shift in consumer expectations, with a growing demand for vehicles that meet local needs rather than relying on brand prestige [8][9]. Group 2: Joint Venture Strategies - Joint ventures are increasingly adopting a more humble approach, learning from local consumer preferences to enhance their product offerings [3][4]. - The launch of models like the GAC Toyota's Platinum 3X and Nissan's N7 signifies a renewed commitment to align with Chinese consumer demands, showcasing a shift in strategy [6][11]. - The need for deep localization in production, R&D, and decision-making processes is emphasized as essential for joint ventures to remain competitive in the Chinese market [11][13]. Group 3: Future Outlook - The article predicts that by 2026, joint ventures will need to abandon the notion of brand premium and focus on product quality and local relevance to survive [8][13]. - The integration of local technology partners, such as Huawei and CATL, is seen as a crucial step for joint ventures to enhance their technological capabilities and meet market demands [11][13]. - The overall message is that joint ventures must embrace a strategy of "in China, for China" to rebuild their competitive edge in the evolving automotive landscape [11][13].

Core Viewpoint - Dongfeng Nissan has launched the new Tiida Hongmeng cockpit at the Guangzhou Auto Show, marking the first vehicle under its "oil-electric intelligence" strategy, with a price range of 139,900 to 167,900 yuan [1][2]. Group 1: Product Features - The new model features a variable compression turbocharged engine with a maximum power of 243 horsepower and can accelerate from 0 to 100 km/h in 6 seconds [3]. - The vehicle is equipped with the Hongmeng cockpit 5, which includes an AI-level voice assistant that supports fuzzy semantic recognition [3]. Group 2: User Service Innovations - Dongfeng Nissan has established the first dedicated sales channel model for fuel vehicles, called "Dingjiao Service," where each step from ordering to delivery and after-sales is managed by a professional team [4]. Group 3: New Energy Vehicles - The company also showcased its first pure electric vehicle, the N7, and its first plug-in hybrid sedan, the N6, at the auto show, marking Dongfeng Nissan's debut in the new energy vehicle section [5].