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10月3日,传闻5年之久的《汽车金融公司管理办法》(以下简称《办法》)终于宣布实施了。对此,业界最关心的是汽车金融公司会不会抢走银行在汽车信贷服务方面的饭碗。细心研读分析《办法》,就会得出答案:有冲击,但是不会马上抢走银行的饭碗。首先,做汽车金融业务要有融资渠道。国外的公司,如首先可能获批的公司——大众金融服务公司,福特金融服务公司,通用金融服务公司的确实力雄厚,但他们的钱是外汇,而这项在中国开展的业务需要人民币。拿汽车金融公司注册资本的最低限额5亿元人民币或等值的自由兑换货币来说,这不能支撑他们买卖多少车。所以,融资是摆在这些金融服务公司面前的主要问题,尤其是对福特、通用这两家在我国汽车销量还不算大的公司而言,何来那么多人民币?如果按今天的外汇汇率兑换或者按今天的利率融资,都不是划算的买卖。其次,任何一个消费者都不会愿意用高于银行利率的钱来通过金融服务公司贷款买车。第三,无论是大众金融服务公司,还是通用金融服务公司,福特金融服
October 3, rumors of 5 years of “Auto Finance Company Management Measures” (hereinafter referred to as “measures”) was finally announced. In this regard, the industry is most concerned about the auto finance company will not take away the banks in the car credit service jobs. Careful study and analysis of “measures”, you will find the answer: a shock, but will not immediately robbed the bank jobs. First of all, there must be financing channels for auto finance business. Foreign companies, such as Volkswagen Financial Services, Ford Financial Services and General Financial Services, which may be the first to be approved, are indeed strong, but their money is foreign exchange, and the business in China requires the renminbi. Take the minimum of 500 million yuan registered capital of the auto finance company or the equivalent of freely convertible currencies, which can not support the number of cars they buy and sell. Therefore, the financing is placed in front of these financial services companies major issues, especially for Ford, General Motors and the two in our country car sales is not too big for the company, why so much RMB? If today’s foreign exchange rate Or by today’s interest rate financing, are not cost-effective trading. Second, no single customer would be willing to buy a car through a financial services company with money above the bank’s interest rate. Third, whether it is a public financial services company, or a general financial services company, Ford Financial Services