From the perspective of the industry structure, in the field of automobile circulation, manufacturers and dealers have formed a manufacturer-led cooperation model, and the impact of the rise of automobile financial leasing platforms on the interest structure is still uncertain. At present, manufacturers are cautious about car financing leasing platforms, and have certain restrictions on vehicle prices, supply quantities, and types of models, so as to avoid low-price competition for customer sources. From the perspective of purchase channels, manufacturers and dealers are the vehicle suppliers of the car financing leasing platform. No matter which channel they purchase from, the manufacturers and dealers will increase the price of the car because of their interests. The problem of vehicle purchase channels is the cost of car financing leasing products. important reasons for the high.
At present, most auto financial leasing companies are established within 3 years. For start-ups, there are a lot of fixed costs in the early stage, such as the construction of office space, operating systems, sales channels and offline stores. Under the huge financial pressure, in order to ensure the health of cash flow, it is difficult to reduce the price of automobile financial leasing products. In addition, the credit reporting system is not comprehensive enough, the used car evaluation system and circulation system are not mature enough, auto financing and leasing companies need to invest resources for sms marketing service risk control, and they have to face the possibility of loss when handling used cars. cost. While the rates are high, there are also chaos in the auto financing leasing industry. Under the circumstance that most consumers are