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border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 20px; outline: 0px; max-width: 100%; display: inline-block; width: 609.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; height: auto; border-style: double; border-width: 4px; border-color: rgb(187, 205, 229); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 20px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; font-size: 14px; color: rgb(62, 62, 62); letter-spacing: 1px; line-height: 2; visibility: visible;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em; visibility: visible;"> 汽车租赁（简称“租车”）是指将汽车的资产使用权从拥有权中分开，出租人具有资产所有权，承租人拥有资产使用权，出租人与承租人签订租赁合同，以交换使用权利的一种交易形式。目前，国内汽车租赁主要包括经营性租赁和融资租赁两单形式。经营性租赁，又主要包括长期租赁、短期租赁和分时租赁三大模式。带驾驶员汽车租赁在国内外多为汽车租赁服务的辅助业务，以企业用户为主。</p> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em; visibility: visible;"> </p> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em; visibility: visible;"> 短期租赁主要以自驾形式，服务个人用户市场。分时租赁作为新兴租赁模式，模式特征非常鲜明，前者聚焦“分时”概念，收费方式更加细化；融资租赁，主要呈现”金融属性”，以租代购，促进租赁市场多元化发展。</p> </section></section><section style="margin: 10px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 0; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: middle; display: inline-block; line-height: 0; visibility: visible;"><img _width="498px" alt="图片" class="rich_pages wxw-img" crossorigin="anonymous" data-fail="0" data-imgfileid="100045687" data-index="6" data-original-style="outline: 0px;vertical-align: middle;width: 498px !important;visibility: visible !important;" data-ratio="0.5763052208835341" data-s="300,640" data-src="https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3gQRXB60melTQEVWVyyqzVSzDIEnNIBxL7JkFcy3sKK2LuWWa3WH4WQ/640?wx_fmt=other&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" data-type="png" data-w="498" src="https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3gQRXB60melTQEVWVyyqzVSzDIEnNIBxL7JkFcy3sKK2LuWWa3WH4WQ/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: middle; height: auto !important; width: 497.991px !important; visibility: visible !important;" /></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> </p> </section></section></section><section style="margin: 30px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 30px; height: 30px; vertical-align: top; overflow: hidden; background-color: rgb(93, 132, 187); border-radius: 100%;"><section style="margin: 3px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">二</strong></p> </section></section></section></section><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-fail="0" data-lazy-bgimg="https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-position: 0% 0%; background-repeat: repeat-y; background-attachment: scroll; min-width: 5%; height: auto; border-bottom: 4px double rgb(187, 205, 229); background-image: url("https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png"); background-size: 100% !important;"><section style="margin: 2px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(93, 132, 187); letter-spacing: 1px;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">汽车融资租赁基本概念</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 20px; outline: 0px; max-width: 100%; display: inline-block; width: 609.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; height: auto; border-style: double; border-width: 4px; border-color: rgb(187, 205, 229); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 20px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; font-size: 14px; color: rgb(62, 62, 62); letter-spacing: 1px; line-height: 2;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 汽车融资租赁是一种新型的分期购车方式，结合了租赁服务中使用权和所有权分离的特点。承租人通过向汽车融资租赁机构租赁，并进行分期付款，先获得使用权，待分期全部完成，继而获得所有权。这种方式可以降低购车门槛、申请手续也比较简单。目前全球范围内汽车消费 30%为现金购车，55%通过普通汽车信贷，15%通过融资租赁方式。</p> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> </p> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 在国内，汽车融资租赁市场虽起步较晚，但在有关部门的重视下，近年来也步入发展快通道。未来三年，我国汽车融资租赁市场规模预计近 4000 亿元。”中国的汽车融资租赁市场将会越来越大，越来越稳，而实现这一切的前提是，一个诚信的消费环境，和规范化的企业运营！</p> </section></section></section></section><section style="margin: 30px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 30px; height: 30px; vertical-align: top; overflow: hidden; background-color: rgb(93, 132, 187); border-radius: 100%;"><section style="margin: 3px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">三</strong></p> </section></section></section></section><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-fail="0" data-lazy-bgimg="https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-position: 0% 0%; background-repeat: repeat-y; background-attachment: scroll; min-width: 5%; height: auto; border-bottom: 4px double rgb(187, 205, 229); background-image: url("https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png"); background-size: 100% !important;"><section style="margin: 2px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(93, 132, 187); letter-spacing: 1px;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">汽车融资租赁主要类型</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 20px; outline: 0px; max-width: 100%; display: inline-block; width: 609.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; height: auto; border-style: double; border-width: 4px; border-color: rgb(187, 205, 229); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 20px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; font-size: 14px; color: rgb(62, 62, 62); letter-spacing: 1px; line-height: 2;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 目前市场上的汽车融资租赁产品可以分为“两段式”和“三段式”结构。“两段式”产品是指“首付+月租”的模式，首付比例从 0-10%不等，租期越长，费率越高。“三段式”产品是指“首付+首年费用+尾款”的模式，此种产品的特点在于用户在租期满一年之后可以进行多种方案选择，如一次性付尾款、分期付尾款或返还车辆。</p> </section></section></section></section><section style="margin: 30px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 30px; height: 30px; vertical-align: top; overflow: hidden; background-color: rgb(93, 132, 187); border-radius: 100%;"><section style="margin: 3px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">四</strong></p> </section></section></section></section><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-fail="0" data-lazy-bgimg="https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-position: 0% 0%; background-repeat: repeat-y; background-attachment: scroll; min-width: 5%; height: auto; border-bottom: 4px double rgb(187, 205, 229); background-image: url("https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png"); background-size: 100% !important;"><section style="margin: 2px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(93, 132, 187); letter-spacing: 1px;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">汽车融资租赁特征分析</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 20px; outline: 0px; max-width: 100%; display: inline-block; width: 609.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; height: auto; border-style: double; border-width: 4px; border-color: rgb(187, 205, 229); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 30px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(93, 132, 187); min-width: 5%; height: auto; border-top-right-radius: 15px; overflow: hidden;"><section style="margin: 2px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 10px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">(1)打包租赁方式，降低购车门槛。</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 561.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(245, 247, 252);"><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; font-size: 14px; color: rgb(62, 62, 62); letter-spacing: 1px; line-height: 2;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 汽车销售方将裸车款、购置税、牌照费用、保险、其他税费全部作为分期付款对象，客户只需支付所有款项的 20%作为保证金和 1 年 1%手续费，即可取得车辆的使用权，并且 20%的保证金将在租赁期结束后返还。这种方式降低客户购车初期支付的负担，使客户可以将更多资金用于投资理财。</p> </section></section></section></section><section style="margin: 30px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(93, 132, 187); min-width: 5%; height: auto; border-top-right-radius: 15px; overflow: hidden;"><section style="margin: 2px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 10px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">(2)租金是一种费用，汽车销售方为企业提供增值税发票。</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 561.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(245, 247, 252);"><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; font-size: 14px; color: rgb(62, 62, 62); letter-spacing: 1px; line-height: 2;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 可以作为报销车贴的凭证，也可以作为企业做账的依据。</p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> </p> </section></section></section><section style="margin: 30px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 30px; height: 30px; vertical-align: top; overflow: hidden; background-color: rgb(93, 132, 187); border-radius: 100%;"><section style="margin: 3px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">五</strong></p> </section></section></section></section><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-fail="0" data-lazy-bgimg="https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-position: 0% 0%; background-repeat: repeat-y; background-attachment: scroll; min-width: 5%; height: auto; border-bottom: 4px double rgb(187, 205, 229); background-image: url("https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png"); background-size: 100% !important;"><section style="margin: 2px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(93, 132, 187); letter-spacing: 1px;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">汽车融资租赁租金计算</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 20px; outline: 0px; max-width: 100%; display: inline-block; width: 609.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; height: auto; border-style: double; border-width: 4px; border-color: rgb(187, 205, 229); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 20px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; font-size: 14px; color: rgb(62, 62, 62); letter-spacing: 1px; line-height: 2;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 汽车融资租赁是一种依托现金分期付款的方式，在此基础之上引入出租服务中所有权和使用权分离的特性，租赁结束后将所有权转移给承租人的现代营销方式。</p> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> </p> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 期初应付本金余额×实际利率=本期支付租金中偿还利息。长期应付款本期偿还额-本期支付租金中偿还利息=本期偿还本金。</p> </section></section></section></section><section style="margin: 30px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 30px; height: 30px; vertical-align: top; overflow: hidden; background-color: rgb(93, 132, 187); border-radius: 100%;"><section style="margin: 3px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">六</strong></p> </section></section></section></section><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-fail="0" data-lazy-bgimg="https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-position: 0% 0%; background-repeat: repeat-y; background-attachment: scroll; min-width: 5%; height: auto; border-bottom: 4px double rgb(187, 205, 229); background-image: url("https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png"); background-size: 100% !important;"><section style="margin: 2px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(93, 132, 187); letter-spacing: 1px;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">汽车融资租赁功能作用</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 20px; outline: 0px; max-width: 100%; display: inline-block; width: 609.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; height: auto; border-style: double; border-width: 4px; border-color: rgb(187, 205, 229); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 20px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; font-size: 14px; color: rgb(62, 62, 62); letter-spacing: 1px; line-height: 2;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 首先，降低用户的购车门槛与资金压力。相信通过传统 4S 店买过车的朋友都知道，一般情况下，汽车贷款的首付大多在购车全款的 30%。根据《汽车贷款管理办法》规定，贷款人发放自用车贷款的金额不得超过借款人所购汽车价格的80%，也就是说消费者从银行贷款购车最低首付不得低于 20%。但在汽车融资租赁平台，用户却可以 1 成甚至 0 首付就获得一辆新车。相比传统购车方式，汽车融资租赁极大降低了用户的购车门槛和首付压力。其次，降低购车信用门槛。</p> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> </p> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 传统购车方式中，用户需要向银行提交工作证明、收入证明等多种繁杂的证明来申请贷款，不仅手续繁杂，而且对于那些没有稳定工作的自由职业者、自主创业者等消费者们来说，很难从银行贷款。但在汽车融资租赁平台，信用审批的门槛就降低了不少。用户只要有支付宝账户即可在线申请，系统会自动评估用户的购车方案，最快只需要 5 分钟即可完成征信审批，无需其他繁杂证明。不仅审批效率高，还让更多人都能享受到汽车普惠金融服务。</p> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> </p> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 此外，汽车融资租赁所提供的服务也让购车体验更轻松、更便捷。传统的买车方式，在付完车款后，用户还要为所购汽车缴税、购置车险、上牌等，不可谓不麻烦。而在汽车融资租赁平台，将由平台方负责缴纳购置税，还负责第一年的上牌，并赠送一年车险，消费者坐等提车就可以了。汽车融资租赁的以上这些优势，在一定程度上更好满足了部分消费者的需求。如刚工作不久的年轻人、背负着房贷但有强烈用车需求的三口之家、对现金流有严重依赖的个体经营者、难以从银行获得贷款的人群等，汽车融资租赁的低门槛弹性购车方案，能够满足他们的切身需求。</p> </section></section></section></section><section style="margin: 30px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 30px; height: 30px; vertical-align: top; overflow: hidden; background-color: rgb(93, 132, 187); border-radius: 100%;"><section style="margin: 3px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">七</strong></p> </section></section></section></section><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-fail="0" data-lazy-bgimg="https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-position: 0% 0%; background-repeat: repeat-y; background-attachment: scroll; min-width: 5%; height: auto; border-bottom: 4px double rgb(187, 205, 229); background-image: url("https://mmbiz.qpic.cn/sz_mmbiz_png/JQ4fmO4uTjQPwHUiadBWdj7RWrtibGfXN3VILDe5C6YcFaCCJLqiaI4ibbpXtz5eGhOZKbl1C71EiaBXdQ90wzIE5zw/640?wx_fmt=png"); background-size: 100% !important;"><section style="margin: 2px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(93, 132, 187); letter-spacing: 1px;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">汽车融资租赁具有很大空间</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; justify-content: center; display: flex; flex-flow: row; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 20px; outline: 0px; max-width: 100%; display: inline-block; width: 609.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; height: auto; border-style: double; border-width: 4px; border-color: rgb(187, 205, 229); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 30px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(93, 132, 187); min-width: 5%; height: auto; border-top-right-radius: 15px; overflow: hidden;"><section style="margin: 2px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 10px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">（1）以租代购对于国内汽车销量有着提升作用。</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 561.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(245, 247, 252);"><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; font-size: 14px; color: rgb(62, 62, 62); letter-spacing: 1px; line-height: 2;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 根据央视财经数据，汽车融资租赁的消费群体和在4S店购车的消费群体的重叠度只有15％。也就是说，以租代购所激活的市场是三线城市以下的空白市场，对于新增汽车消费大有助益。</p> </section></section></section></section><section style="margin: 30px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(93, 132, 187); min-width: 5%; height: auto; border-top-right-radius: 15px; overflow: hidden;"><section style="margin: 2px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 10px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">（2）汽车融资租赁与助于提升汽车金融渗透率。</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 561.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(245, 247, 252);"><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; font-size: 14px; color: rgb(62, 62, 62); letter-spacing: 1px; line-height: 2;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 中国已成为全球最大的汽车消费市场，根据罗兰贝格的数据，2019年我国汽车金融整体渗透率约为43％，其中汽车贷款类业务占比35％，融资租赁售后回租占比约为6％，融资租赁直租占比约为2％。可以看出，大力发展汽车以租代购对于提升整体汽车金融渗透率至关重要。</p> </section></section></section></section><section style="margin: 30px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(93, 132, 187); min-width: 5%; height: auto; border-top-right-radius: 15px; overflow: hidden;"><section style="margin: 2px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 10px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">（3）有利于丰富汽车消费布局，实现渠道下沉。</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 561.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(245, 247, 252);"><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; font-size: 14px; color: rgb(62, 62, 62); letter-spacing: 1px; line-height: 2;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 随着一二线城市的限购等政策限制和市场容量逐渐饱和，汽车消费市场增长乏力，而汽车以租代购主要布局三线城市以下市场，更有利于完善国内汽车消费的布局</p> </section></section></section></section><section style="margin: 30px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(93, 132, 187); min-width: 5%; height: auto; border-top-right-radius: 15px; overflow: hidden;"><section style="margin: 2px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 10px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255);"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;"> <strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">（4）利于布局汽车后市场，完善的汽车产业链。</strong></p> </section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 561.3px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(245, 247, 252);"><section style="margin: 0px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; font-size: 14px; color: rgb(62, 62, 62); letter-spacing: 1px; line-height: 2;"> <p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-indent: 2.1429em;"> 汽车行业最大的金矿在后市场，而汽车融资租赁可以从客户购车开始就培养客户的消费习惯，绝大部分汽车融资租赁用户可以直接培养为汽车后市场用户。一旦形成固定的基础客户群体，将会呈现爆发式增长，并且对于提升客户的黏性、信任度等都具有得天独厚的优势。</p> 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