A few days ago, the reporter learned from the “2017 (8th) China Auto Finance Annual Conference†that in terms of auto credit, users who have already bought a car have a penetration rate of 35%, and will reach 59.7% in the future.
In terms of Internet auto finance, the total market size of China's Internet auto finance in 2016 was about 1.1 trillion yuan. It is expected to reach 1.85 trillion yuan in 2018, of which the market size of Internet auto consumer finance may reach 1.2 trillion yuan. However, the current Internet finance encounters bottlenecks such as the lack of credit information systems, the lack of data in big data risk control, and limited online functions.
From the perspective of auto credit channels, banks and financial companies are still the most mainstream channels, but one change is that the proportion of banks has risen in the past three years, while financial companies have declined. The utilization rate of direct renting and financing leases this year was 11.3%, and the overall satisfaction rate was 62.5%.
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