The new "Automobile Loan Management Measures" has been formally implemented since October 1. At the same time, the spokesperson of the People's Bank of China stated that China’s credit system is being strengthened and the unified national personal credit information database system will be operational at the end of this year, and will be operated nationwide next year. This is undoubtedly two good news for the auto loan market. But a few days ago, the reporter found in the interview that the two good news had little effect on promoting auto credit consumption this year. Banks in Guangzhou still have very strict choices of loan targets. They must be a city account and have mortgages such as real estate. Except for credit grants to civil servants and some of the so-called “quality customers†of public institutions, it is still difficult for ordinary consumers to borrow cars. . ABC Guangzhou Branch’s stakeholders said that the ABC’s tightening of car lending will continue for some time. The relevant person of Minsheng Bank stated that the "Auto Loan Management Measures" provides only a guiding policy framework, and there are no specific guidance on how to circumvent the credit risk. Therefore, the implementation of the new measures will not encourage banks to carry out car loan business. Big. Judging from the response of 4S stores such as Shanghai GM, FAW-Volkswagen, and Shanghai Volkswagen, the development of auto finance has little effect on the increase in car sales. The general manager of the Guangwu Fuheng Automobile Sales Company stated that domestic consumers often have the habit of buying cars in full, and the loan demand for family cars is not large in itself. The person in charge of the Shenzhen Stock Exchange said that the introduction of the "Measures" will hardly change the attitude of most banks to the indifference to sporadic petty auto loans. Insiders pointed out that the adoption of auto finance companies to shake China’s auto credit market is only a perfect idea. In China, auto finance companies do not have a sound credit system as their support. In addition, their development is also limited by relevant policies. If there is no interest rate advantage, they cannot open branch outlets and engage in car rental business. In addition, the brand of business operations is single, only Relying on consumers to save money in the middle of the loan, provide quality after-sales services and other means to attract customers is difficult to exert their power. However, commercial banks and auto finance companies will promote the rapid development of domestic auto credit. Financial companies currently need to rely on commercial banks to conduct business on the basis of funding sources and outlets. Commercial banks can take the opportunity to share and learn from the professional services and management experience of auto finance companies. Commercial banks can also become the settlement platform for auto finance companies, and they will have more time in the future. It is a mode of cooperation between the two parties rather than direct competition.