Went
to the New Year, China's automobile industry is experiencing the transition of
return to normal growth, new car sales falling profits. As the world's largest
new car market, the Chinese Automotive Aftermarket is still in its infancy.
Represented by consumer loans, the automobile consumer finance will inject new
automobile circulation growth momentum in the future.
Not
long ago, China Minsheng Bank and Deloitte have jointly issued the "2012
China Auto Finance Report", beginning in 2009, China's new car sales have
been ranked first in the world, car ownership has also exceeded 1 billion in
November 2011. As the world's largest new car market, the size and maturity of
China's auto market still has a wide gap with those mature markets. The
research shows that automotive production processes only create about 30% of
the profits, while distribution and service sectors are able to bring about 70%
of the profits. Automotive financial services is the most valuable and the most
dynamic part in the automotive industry value chain, it has a huge role in
promoting the development of the automobile industry and automobile
consumption.
However,
due to limited sources of funding, the lack of financial product supply and
other reasons, car service market of our car rental, car consumer finance, and
used car has failed to be fully developed for a long time. With the continued
growth of car ownership, increased consumer demand, in China, the automotive
service industry still has huge space for development. In addition, the
deepening auto finance will be conducive to the further enhance of the
automotive aftermarket share of business profits, eliminate the asymmetry of
the industrial development and value-added services, and promote the
transformation and upgrading of China's automobile industry.
China's
automotive consumer finance business has rapid development in recent years, the
data show that China's auto consumption balance of financial products has more
than 300 billion yuan at the end of 2011, commercial bank personal auto loan
was only 136.7 billion yuan. What’s more, China's automotive consumer finance
penetration is only 10%, much lower than the mature markets such as the United
States, Japan, which has 50% to 70% penetration level. On the whole, single
products, high interest rates, and cumbersome procedures are the main factors
causing the consumer car loans are not enthusiastic. However, with the consumer
group is younger, abundant supply of products and service efficiency improved,
the report predicts that domestic consumer finance penetration is expected
enhance from the current 10% to 30% or even higher in the next 10 years, China
Automotive consumer finance market balance will be more than 1 trillion yuan.
Approved by the People’s Government of the
Guangdong Province, Mingyang Electronic Science & Technology Co., Ltd. company
is an electronic technology enterprise, Since establishment, the company
commits himself to the design, R&D, production, sales and service of
car battery, intelligent battery, intelligent control system, car alarm system,
car security alarm and car control
system. Combining with the modern high-end
electronic technology; we developed the intelligent three-in-one
multifunctional storage battery, intelligent automobile power control system,
and cars anti-theft current control system etc., which are the initial
innovation and leading technology.
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