汽车金融市场份额，规模，趋势，行业分析报告，按类型（间接，直接）;通过服务类型（新车辆，二手车，其他车辆）;通过车辆类型（乘用车，商用车辆）;至目的（租赁，贷款，其他）;由提供者;按地区;分部预测，2021 - 2028

报告摘要

2020年，全球汽车金融市场规模为2290.7亿美元，预计在预测期内复合年增长率为7.1%。汽车金融使消费者无需直接付款就能购买汽车。汽车金融由银行和金融机构提供，使消费者能够通过直接或间接贷款选择购买汽车。

The rising demand for passenger vehicles, growing adoption of alternative-fuel vehicles, and proactive government initiatives to promote the use of电动车预计将提高汽车金融市场的增长。贷款人正在努力通过数字平台提高客户体验，业务增长和运营能力。纯粹的数字汽车贷款人出现了，加速了市场竞争。

汽车领域的数字化的增长鼓励贷方将数字技术集成到其商业模式中，以改善收入生成。必威开户注册在线提供信用批准，汽车搜索和选择，定价，签订，签订，以及与贷款人直接进行的服务，提供及时提供服务和改善客户体验。

Financers are focusing on providing a seamless experience by combining the financing process with the car buying process. Digital platforms offer more control to customers through search tools for specific monthly payments, pre-approved online, and electronic contracting.

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Industry Dynamics

Growth Drivers
采用绿色汽车采用越来越多，推动了汽车金融市场的增长。电动汽车生产量，越来越多的省油车辆的增长以及严格的政府法规增加了电动乘用车的渗透。在商业部门中使用电动车辆在提高效率的同时降低了拥塞和污染。越来越需要降低商业货物运输维护成本的需求主要推动该市场的增长。

These vehicles align with government policies and depend on subsidies. Several automotive lenders have collaborated with governments to offer attractive schemes to consumers on the sale of electric vehicles. Additionally, fleet operators offer personalized automotive finance options for the inclusion of electric and hybrid cars in the fleet. Volkswagen Grune Flotte and Daimler Ecostar program are initiatives that include leasing offers on low emission car models, driver training, emission reduction tips, and promoting the adoption of car sharing.

Market players are modifying their business models based on advancing technologies and changing consumer preferences. Growing modernization of vehicles, integration of vehicle connectivity, development of autonomous vehicles, the introduction of stringent vehicular regulations, and increasing penetration of luxury vehicles are some factors influencing the market for automotive finance.

关于交通拥堵和长途旅行时间的消费者对消费者的认识增加，增加了采用汽车分享和多模态运输等移动解决方案，将趋势从汽车所有权转移到汽车用户。汽车金融公司正在加入汽车OEM，汽车租赁公司和车队运营商的武力，以扩大业务运营。

汽车金融市场报告范围

该市场主要基于类型，服务类型，车辆类型，提供商，目的和地区进行分段。

By Type	By Service Type	按车辆类型	By Provider	By Purpose	按地区
Indirect Automotive Finance Direct Automotive Finance	新车 二手车辆	乘用车 Commercial Vehicles Others	银行 OEM Financial Institutions 信用社 Others	租赁 贷款 Others	北美（美国，加拿大） Europe (Germany, UK, France, Italy, Spain, Netherlands, Austria) 亚太地区（中国，印度，日本，韩国，马来西亚，印度尼西亚） 拉丁美洲（巴西，墨西哥，阿根廷） Middle East & Africa (Saudi Arabia, South Africa, Israel, UAE)

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键入Outlook

On the basis of type, the market is segmented into indirect automotive finance, and direct automotive finance. In 2019, the direct automotive finance segment accounted for the highest market share. The demand for direct automotive finance is high as it enables the consumer to submit financing requests directly to a bank or lender. The consumer is responsible for finalizing the terms of financing directly with the auto finance company. This financing option allows consumers to obtain pre-approved car financing.

Service Type Outlook

根据服务类型，市场分为新车和二手车。新车的汽车贷款考虑了制造商对特定年份或行驶公里数的担保，这导致支付的贷款金额高于二手车。新车的贷款价值比也更高。对于保险费较高的新车，贷款流程更为容易。

Vehicle Type Outlook

On the basis of vehicle type, the market is segmented into passenger vehicles, commercial vehicles, and others. Passenger cars can be classified into microcars, hatchbacks, sedans, SUVs, MUVs, and vans among others. The demand for automotive finance for passenger vehicles is expected to increase owing to rising disposable income, changing lifestyle of consumers, growth in automotive production volume, and increasing need for fuel-efficient vehicles.

提供者前景

在提供者的基础上，市场被分段为银行，OEM，金融机构，信贷工会等。2019年，银行分部占最高的市场份额。银行提供的一些福利包括低利率，低EMI，最小的文书工作和快速支付。银行提供较长的偿还任期等利益，并在“路上价格”中的融资。

目的前景

目的的基础上,市场分割nto loans, leasing, and others. In 2019, the loan segment dominated the global market. Some benefits offered by automotive loans include lesser payment over the long term, flexibility to trade or sell, and no restrictions on appearance. There is also no mileage limit on loans, which enables consumers to drive without capping the number of miles.

Geographic Overview

亚太地区于2020年占市场份额大幅上涨。车辆人口越来越多，技术先进的奢侈品车辆的需求不断增长，以及采用车辆排放标准推动该地区的市场增长。在汽车部门的大量投资，广泛的研发活动，增加电动汽车采用以及自主车辆的发展是推动该地区市场增长的一些因素。

Competitive Landscape

The leading players in the market for automotive finance include Bank of America, Chase Auto Finance, GM Financial Inc., Toyota Financial Services, BNP Paribas, Daimler Financial Services, Ford Motor Credit Company, HSBC Holdings plc, Ally Financial, Wells Fargo & Co, Banco Bradesco SA, Capital One, Volkswagen Financial Services, HDFC Bank Limited, Hitachi Capital Asia Pacific Pte. Ltd., and Standard Bank Group Ltd.

These players are expanding their presence across various geographies and entering new markets in developing regions to expand their customer base and strengthen their presence in the market. The companies are also introducing new innovative products in the market to cater to the growing consumer demands.