© Can Stock Photo / tangducminh 总部位于上海的汽车金融科技服务平台灿谷有限公司(Cango Inc.)作为一家汽车贷款服务商,其公司规模不断发展增长,并于上周向证券交易管理委员会提交了申请,筹集3亿美元在纽约证券交易所进行首次公开募股。 Cango创建于2010年,其公告内容表示,Cango通过将客户与金融机构和经销商联系起来,在购车过程中为消费者提供帮助。截至3月份,Cango已与11家第三方金融机构展开合作,其中包括晋城银行,江南农村商业银行和上海汽车之家,后者提供租赁服务,并将在收购完成后成为Cango的全资子公司。 “根据Oliver Wyman报告显示,我们的业务覆盖了中国数量最多的新车经销商,截至2017年12月31日,我们推动的融资交易额是中国汽车交易服务平台中最大的”该公司指出。 在截至3月31日的三个月中,Cango为其银行合作伙伴发起了9亿美元的汽车贷款项目——与去年同期相比增长了7.2%。 随着公司融资交易的增加,其对晋城银行的依赖也逐渐减少。在第一季度,晋城银行在Cango的融资总额为33%,比去年同期的95.6%有所下降。 根据公司报告显示,该网上金融服务供应商还与37,667家注册经销商和29家其他行业参与者合作(包括原始设备制造商、在线广告平台和保险经纪人)。自成立以来,Cango已经为734,336名购车者提供了服务。
© Can Stock Photo / kawing921 一批电动汽车制造商已经纷纷进入中国市场,但是市场内的金融融资选择却并不多。来自J.D. Power中国的营销及沟通主管Roger Zhang告诉《汽车金融新闻》。 据LMC Automotive报道,去年在中国推出了186款电动汽车车型,而且J.D. Power预计,到2025将另有1000款电动车型亮相。Roger Zhang表示,这些车型中有许多都是由该领域中新的原始设备制造商推出的,例如NIO和WEY,他们尚未拥有专属的财务分支。银行和金融科技公司可以提供融资服务,但存在风险,因为车辆价值和原始设备制造商是否会取得成功是不确定的。 尽管如此,中国对电动汽车购买的补贴非常高。在补贴之后,中国电动车的平均价格为25,000美元,比美国一些最低价车型(比如特斯拉Model 3或Chevy Bolt)的价格低约5,000美元,Roger Zhang说。 他补充道,在中国,汽车牌照是对电动汽车的另一种人为激励。上海的汽车牌照价格现在已经“飙升”到13,000美元。汽车牌照的高成本意在防止过多汽车上路导致交通堵塞,不同的城市会采用不同的方法。在北京已经出现了汽车牌照黑市,因为通过车牌摇号系统可能需要数月或数年的时间才能拿到牌照。 广州和深圳等南方其他城市,则使用摇号与拍卖相结合的系统方式。如果消费者购买电动汽车,所有这些牌照费用和等待时间都可以免除。 Roger...
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Houhai Lake, Beijing | © Can Stock Photo / billperry 在美国,对金融机构进行监管存在一定的难度,但是与中国的融资租赁行业相比,那则是小巫见大巫。 非银行金融公司以及他们的股权投资者,必须获得中国银行业监督管理委员会(银监会)批准。如果未经监管部门批准,相关公司便不可以扩建分支机构,也不可更改名称、业务范围、股权结构或行政领导人员。并且任何贷款均不可超过借款人净资本的15%。如果相关企业违反了这些规则或者银监会制定的其他40条规定中的任何一条,政府便有权要求其暂停运营,并且若其违规行为被认为会造成消费者信贷危机,则政府将会对其进行接管。对于专属及存管银行机构来说,则需要遵守更多规则要求。 可以肯定的是,要在监管环境中找准方向是非常具有挑战性的,但中国政府正在采取措施放宽限制,并向汽车金融领域的国外投资者打开市场。 4月9日,习近平主席就中国在扩大改革和开放市场方面所做出的努力发表了讲话。两天后,中国人民银行行长易纲详细阐述了未来几个月这些改革措施将如何在金融领域发挥作用。他宣布了中国人民银行将在今年实施的12项举措,包括计划“鼓励在信托、金融租赁、汽车金融、货币经济、消费金融等银行业金融领域引入外资。” President of China, Xi Jinping (Photo...
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