With a population of 1.4 billion people, China’s automobile ownership has become the world’s leading with the growth of consumption and economy. The Ministry of Public Security’s Traffic Management Bureau showed that as of the end of March 2017, the country’s motor vehicle fleet exceeded 300 million vehicles for the first time, including 200 million vehicles. . The transportation department expects that the average growth rate of China's auto aftermarket will exceed 30% in the future, and the scale of the market after 2018 is expected to break trillions of yuan. Judging from the current domestic auto ownership, there is still considerable room for financial market demand. Related companies and management departments should accelerate the use of the Internet and big data to effectively prevent and resolve risks, and use technological means to explore product and business model innovations. It is the key to the current development of auto finance to expand the scope of automotive financial inclusion to benefit more car buyers.
As an important part of the automotive aftermarket, auto finance has infinite imagination. China’s auto finance market has been in a state of doldrums, and it will not be until 2017 that we welcome the industry’s enthusiasm. This will be traced back to the catalyst for the supervision of the online loan industry. Last year's 8.24 Internet Loan Regulations proposed that the assets of online loans must be small and decentralized, and that auto finance should also be the asset with the greatest development potential.
Second-hand car finance is the most common mode of auto finance. It is not an exaggeration to say that this is the “most competitive battlefield†for auto finance. In fact, the threshold in this area is not low, the valuation of cars is difficult, the model under the line is heavy, the lending companies cheating loans, capital costs and other issues, make every auto finance company a headache. At present, the business model of auto finance also includes bank mortgages, automotive e-commerce, car insurance, and so on. Behind the fierce strangulation, it is the unlimited imagination of the major platforms for the automotive financial market space.
The current auto finance is the opportunity to coexist with the reef, and the special nature of finance requires that the development of auto finance must put the risk prevention at the core of development. Under the background of the development of Internet information technology, the emergence of financial science and technology plays a crucial role in improving the risk management capabilities of the platform, and provides a good solution to the problems of the automotive finance.
In the process of developing the automotive financial system, we need to clearly understand the role of risk control in the operation of the entire platform, constantly optimize and upgrade the risk control system of the automotive financial system, and use the convenience brought by big data and shared finance to make up for market credits. Imperfections. Through a comprehensive risk control system, scientific and rigorous process operations, multi-level risk screening, to protect the quality of assets. At the same time, through the development of financial science and technology, reduce the cost of financial services.
The rise of the Internet is the trigger for the leap-forward development of China's auto finance. As capital flows into the market, we must meet the complex and diversified market needs and effectively grasp the key points of the market. This is the market for auto finance. The key to contention.
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