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市场调查报告书
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1521009

汽车金融市场－2024年至2029年预测

Automotive Finance Market - Forecasts from 2024 to 2029
出版日期: | 出版商: Knowledge Sourcing Intelligence | 英文 140 Pages | 商品交期: 最快1-2个工作天内

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简介目录

汽车金融市场预计将从2024年的2,970.09亿美元成长到2029年的3,864.42亿美元，复合年增长率为5.41%。

汽车金融利用汽车贷款等各种金融产品和服务，为一般消费者和各类公司、企业提供购买或租赁汽车的经济援助，并收取一定比例的利息作为回报。因此，汽车金融在允许客户和企业购买或租赁车辆而无需支付全额购买金额发挥着重要作用。汽车金融业技术的进步也让客户更容易在线上申请贷款和租赁。

汽车融资有多种类型，包括汽车贷款。汽车贷款是银行和金融公司向包括企业在内的客户提供的购买汽车的贷款，必须在一定期限内偿还贷款金额和利息。市场上的一些贷款人会考虑您的信用评分和年收入等因素来确定贷款条款和利率，并据此确定合格。

介绍

汽车金融市场受到经济状况改善和全球汽车销售和需求增加的推动。一般人可支配收入的增加和几个发展中经济体的 GDP 成长意味着，如果消费者能够以稳定和高收入还清汽车贷款和租赁，他们就会变得更有信心。央行设定的可承受利率会影响消费者和企业的借贷成本。

政府有关消费者保护法和金融法规的规定增强了客户对汽车贷款的信心，并鼓励线上贷款申请、数位付款管道和自动化承保流程等创新。这促进了消费者的汽车融资流程，并有助于汽车金融市场在预测期内的成长。

此外，汽车负担能力和价格的上涨使消费者更容易透过汽车融资购买汽车，而信贷可用性和风险评估有助于评估借款人的信用度，这是汽车金融市场的关键因素，正在推动市场成长。消费者偏好的变化，包括对车辆类型和所有权模式的偏好、汽车金融提供者之间的竞争、全球经济趋势、贸易政策、市场整合工作等，预计将在预测期内推动汽车金融市场的发展。

市场驱动因素：

  • 全球经济成长和汽车销售预计将推动市场。

世界各国快速工业化和都市化带来的经济成长正在推动汽车金融市场。此外，GDP成长和就业率上升提供了就业保障，增强了消费者购买汽车的信心，而可负担的利率对汽车金融市场产生了积极影响。当地强劲的经济状况鼓励消费者增加汽车支出，更容易从银行和汽车贷款服务提供者获得融资，从而促进汽车金融市场的成长。

汽车需求对汽车金融市场有直接影响，因为汽车销售的成长与汽车贷款和购车租赁需求的成长成正比。电动车在世界各地的日益普及也是汽车销售成长的因素。多个政府正在推动电动车的采用并提供补贴，使消费者更容易获得汽车贷款，预计这将在预测期内推动汽车金融市场的成长。例如，日本政府在 2021 年为 CEV（清洁能源汽车）提供高达 80 万日圆（即每辆车 7,200 美元）的补贴。

  • 信贷供应的扩大、车辆的可负担性和行业竞争格局的扩大预计将推动市场的发展。

由于消费者对经济型汽车和汽车贷款的需求不断增长，几家主要汽车製造商正在与汽车金融公司合作，以合适的利率提供经济型汽车和汽车贷款，以满足消费者的需求。因此，汽车价格的变化，包括奖励、折扣和租赁条款，会影响消费者的购买决策和融资偏好。实惠的定价和有吸引力的融资刺激了汽车需求并对汽车金融市场产生积极影响。

此外，信贷可用性、借款人信用评估标准和技术的进步正在改变汽车金融业，带来线上贷款申请、数位支付平台和自动化核保流程等创新。这些是预测期内推动汽车金融市场成长的关键因素。

市场限制因素：

儘管汽车金融在使消费者更容易购买或租赁汽车方面发挥着重要作用，并且技术进步使申请汽车贷款变得更加方便，但汽车金融市场在预测期内仍将继续增长，您可能会面临各种挑战。例如，全球经济的不确定性导致世界各地人们的收入差距，再加上不断变化的贷款利率，阻碍了汽车融资市场。

此外，有关贷款和租赁的政府法规和合规性的变化可能与市场政策不同，汽车金融服务供应商可能难以遵守这些不断变化的法规。因此，预计在预测期内将阻碍汽车金融市场的成长。

预计北美地区的成长将显着。

预计北美地区汽车金融市场将显着成长。汽车金融服务供应商在美国、加拿大和墨西哥等多个国家激增，使消费者更容易以合理的利率购买汽车。

此外，全部区域汽车销售的成长促进了一般消费者汽车贷款需求的增加，从而对预测期内北美地区的汽车金融市场产生了积极影响。汽车产业快速发展的亚太地区，汽车金融市场也可望大幅成长。

主要企业提供的产品

  • HDB 金融服务：为购买新车、购买二手车和二手车再融资提供汽车贷款，利率低。
  • Muthoot Fincorp：汽车贷款提供灵活的还款选择、有吸引力的利率以及快速简便的文件记录。

主要进展：

  • 2023 年 11 月，美国银行公司将推出新的创新数位工具，帮助客户预先获得汽车贷款资格，了解他们可以藉多少钱并估算条款，无论信用评分如何。

目录

第一章简介

  • 市场概况
  • 市场定义
  • 调查范围
  • 市场区隔
  • 货币
  • 先决条件
  • 基准年和预测年时间表
  • 相关利益者的主要利益

第二章调查方法

  • 研究设计
  • 调查过程

第三章执行摘要

  • 主要发现

第四章市场动态

  • 市场驱动因素
  • 市场限制因素
  • 波特五力分析
  • 产业价值链分析
  • 分析师观点

第五章汽车金融市场：依提供者类型划分

  • 介绍
  • 银行
    • 市场趋势和机会
    • 成长前景
    • 地域获利能力
  • OEM
    • 市场趋势和机会
    • 成长前景
    • 地域获利能力
  • 其他的
    • 市场趋势和机会
    • 成长前景
    • 地域获利能力

第六章 汽车金融市场：依目的类型

  • 介绍
  • 贷款
    • 市场趋势和机会
    • 成长前景
    • 地域获利能力
  • 租
    • 市场趋势和机会
    • 成长前景
    • 地域获利能力

第七章 汽车金融市场：依车型分类

  • 介绍
  • 客车
    • 市场趋势和机会
    • 成长前景
    • 地域获利能力
  • 商用车
    • 市场趋势和机会
    • 成长前景
    • 地域获利能力

第八章 汽车金融市场：按地区

  • 介绍
  • 北美洲
    • 按提供者类型
    • 按目标类型
    • 按车型分类
    • 按国家/地区
  • 南美洲
    • 按提供者类型
    • 按目标类型
    • 按车型分类
    • 按国家/地区
  • 欧洲
    • 按提供者类型
    • 按目标类型
    • 按车型分类
    • 按国家/地区
  • 中东/非洲
    • 按提供者类型
    • 按目标类型
    • 按车型分类
    • 按国家/地区
  • 亚太地区
    • 按提供者类型
    • 按目标类型
    • 按车型分类
    • 按国家/地区

第九章竞争环境及分析

  • 主要企业及策略分析
  • 市场占有率分析
  • 合併、收购、协议和合作
  • 竞争对手仪表板

第十章 公司简介

  • Tata Motors Finance
  • Genpact
  • Solifi
  • Bajaj Auto Finance
  • Muthoot FinCorp
  • Accenture
  • Sopra Banking Software
  • SAIC Motor
  • Alfa Financial Software
  • Lincoln
简介目录
Product Code: KSI061616933

Automotive Finance Market is projected to grow at a CAGR of 5.41% from estimated value of US$297.009 billion in 2024 to US$386.442 billion in 2029.

Automotive finance provides the general public and different businesses or enterprises with financial help in purchasing an automobile or leasing it by using various financial products and services like auto loans and charging some percentage of interest in return. Therefore, automotive finance plays an important role in providing customers and businesses to purchase or lease vehicles without having to pay the full purchase amount. They can also easily apply online now with the technological advancements in the automotive finance industry that make it convenient for customers to get a loan or lease.

Automotive finance has several types, including auto loans, which are loans provided by banks or any finance companies to customers, including businesses, to purchase vehicles, and over a fixed amount of time, they have to return the total loan amount plus the interest on that loan. Some of the money lenders in the market determine the loan terms and interest rates by considering factors such as credit score or annual income and, based on that, decide whether they are eligible or not.

INTRODUCTION:

The automotive finance market is driven by the improving economic conditions and increasing sales and demand for vehicles across the globe. The growth in disposable income among the general public and the GDP of several growing economies are contributing to consumers being confident in taking loans or leases for vehicles when they can pay it off with a stable and good income. The affordable interest rates set by central banks influence borrowing costs for consumers and businesses as they get interested in buying vehicles when they get good interest rates on automotive loans and leases.

The government regulations for consumer protection laws and financial regulations build trust among customers for taking auto loans and innovations such as online loan applications, digital payment platforms, and automated underwriting processes. This makes auto finance processes easier for the consumer, all contributing to automotive finance market growth over the forecast period.

Moreover, the increase in vehicle affordability and pricing makes it easy for consumers to purchase automobiles using automotive finance and the credit availability and risk assessment that helps assess borrower creditworthiness are crucial factors in the auto finance market and are driving the market growth. The shifts in consumer preferences that include preferences for vehicle types and ownership models, competition among auto finance providers, global economic trends, trade policies, and market integration efforts are all anticipated to boost the automotive finance market over the forecast period.

MARKET DRIVERS:

  • Growth in economies and vehicle sales across the globe is predicted to propel the market:

The growth in economies with rapid industrialization and urbanization in several countries across the globe drives the automotive finance market. This is further leading to GDP growth, rising employment rates which are giving job security to people that grow consumer confidence to spend money on vehicles, and affordable interest rates that positively impact the automotive finance market. The stronger economic conditions of a region lead to customers spending high amounts on vehicles and getting easier access to credit from banks or auto loan service providers, which helps in the automotive finance market growth.

The demand for automobiles directly affects the automotive finance market because the growth in vehicle sales is directly proportional to the growing need for auto loans or leases for purchasing vehicles. The global rise in the popularity of EVs is also a contributing factor in the rising sales of vehicles as several governments are promoting and providing subsidies on EVs, which is making it easy for consumers to take auto loans, which in turn is predicted to propel the automotive finance market growth over the forecast period. For instance, the Japanese government provided a maximum of 800,000 Japanese Yen or 7,200 US Dollars for CEV or clean energy vehicles subsidies given per vehicle in 2021.

  • The growing credit availability, vehicle affordability, and competitive landscape in the automotive finance industry are projected to drive the market.

The growing consumer demand for affordable vehicles and auto loans among the general public is driving several key automobile manufacturers to work together with auto finance companies to deliver a product range that is affordable with suitable interest rates according to the consumer's need. Therefore, changes in vehicle prices, including incentives, discounts, and leasing terms, influence consumers' purchasing decisions and financing preferences. Affordable pricing and attractive financing offers can stimulate demand for vehicles, which positively affects the automotive finance market.

Additionally, the availability of credit, the criteria used for assessing borrower creditworthiness, and advancements in technology have transformed the automotive finance industry, leading to innovations such as online loan applications, digital payment platforms, and automated underwriting processes. These are critical factors that drive the automotive finance market's growth over the forecast period.

MARKET RESTRAINT:

Automotive finance, despite having an important role in making it easy for consumers to purchase or lease vehicles and convenient to apply for automotive loans with technological advancements, can face various constraints that can impact the automotive finance market negatively in the forecast period. For instance, the uncertainties in the global economy leading to varying incomes of people across the globe, coupled with constantly changing interest rates for loans, are hindering the automotive finance market.

Furthermore, the changing government regulations and compliances for loans or leases may differ with the policies in the market and several automotive finance service providers can find it difficult to comply with these changing regulations. Thus, anticipated to hinder the automotive finance market growth over the forecast period.

The growth is projected to be prominent in the North American region.

The North American region is expected to show major growth in the automotive finance market. A growing number of automotive finance service providers in several countries, such as the USA, Canada, and Mexico, are making it easy for consumers to purchase vehicles with suitable interest rates.

Additionally, the growth in automobile sales across the region is contributing to the rise in the need for auto loans among the general public and, therefore, is positively impacting the automotive finance market in the North American region over the forecast period. The Asia-Pacific region, with rapid growth in the automotive industry region, is expected to show significant growth in the automotive finance market.

Products Offered by Key Companies:

  • HDB Financial Services: Auto loan is provided for new car purchases, used car purchases, and used car re-finance coupled with the advantages of low car loan interest rates.
  • Muthoot Fincorp: Auto loan has flexible repayment options, attractive interest rates with schemes, and quick and easy documentation.

Key Developments:

  • In November 2023, Bank of America Corporation announced the launch of new and innovative digital tools so that clients can get pre-qualified for auto financing, learn how much they may be able to borrow, and estimate their terms without any impact on credit scores.

Segmentation:

By Provider Type

  • Bank
  • OEMs
  • Others

By Purpose Type

  • Loan
  • Lease

By Vehicle Type

  • Passenger Cars
  • Commercial Vehicles

By Geography

  • North America
  • United States
  • Canada
  • Mexico
  • South America
  • Brazil
  • Argentina
  • Others
  • Europe
  • United Kingdom
  • Germany
  • France
  • Italy
  • Spain
  • Others
  • Middle East and Africa
  • Saudi Arabia
  • UAE
  • Others
  • Asia Pacific
  • Japan
  • China
  • India
  • South Korea
  • Taiwan
  • Thailand
  • Indonesia
  • Others

TABLE OF CONTENTS

1. INTRODUCTION

  • 1.1. Market Overview
  • 1.2. Market Definition
  • 1.3. Scope of the Study
  • 1.4. Market Segmentation
  • 1.5. Currency
  • 1.6. Assumptions
  • 1.7. Base and Forecast Years Timeline
  • 1.8. Key Benefits to the Stakeholder

2. RESEARCH METHODOLOGY

  • 2.1. Research Design
  • 2.2. Research Processes

3. EXECUTIVE SUMMARY

  • 3.1. Key Findings

4. MARKET DYNAMICS

  • 4.1. Market Drivers
  • 4.2. Market Restraints
  • 4.3. Porter's Five Forces Analysis
    • 4.3.1. Bargaining Power of Suppliers
    • 4.3.2. Bargaining Power of Buyers
    • 4.3.3. Threat of New Entrants
    • 4.3.4. Threat of Substitutes
    • 4.3.5. Competitive Rivalry in the Industry
  • 4.4. Industry Value Chain Analysis
  • 4.5. Analyst View

5. AUTOMOTIVE FINANCE MARKET BY PROVIDER TYPE

  • 5.1. Introduction
  • 5.2. Bank
    • 5.2.1. Market Trends and Opportunities
    • 5.2.2. Growth Prospects
    • 5.2.3. Geographic Lucrativeness
  • 5.3. OEMs
    • 5.3.1. Market Trends and Opportunities
    • 5.3.2. Growth Prospects
    • 5.3.3. Geographic Lucrativeness
  • 5.4. Others
    • 5.4.1. Market Trends and Opportunities
    • 5.4.2. Growth Prospects
    • 5.4.3. Geographic Lucrativeness

6. AUTOMOTIVE FINANCE MARKET BY PURPOSE TYPE

  • 6.1. Introduction
  • 6.2. Loan
    • 6.2.1. Market Trends and Opportunities
    • 6.2.2. Growth Prospects
    • 6.2.3. Geographic Lucrativeness
  • 6.3. Lease
    • 6.3.1. Market Trends and Opportunities
    • 6.3.2. Growth Prospects
    • 6.3.3. Geographic Lucrativeness

7. AUTOMOTIVE FINANCE MARKET BY VEHICLE TYPE

  • 7.1. Introduction
  • 7.2. Passenger Cars
    • 7.2.1. Market Trends and Opportunities
    • 7.2.2. Growth Prospects
    • 7.2.3. Geographic Lucrativeness
  • 7.3. Commercial Vehicles
    • 7.3.1. Market Trends and Opportunities
    • 7.3.2. Growth Prospects
    • 7.3.3. Geographic Lucrativeness

8. AUTOMOTIVE FINANCE MARKET BY GEOGRAPHY

  • 8.1. Introduction
  • 8.2. North America
    • 8.2.1. By Provider Type
    • 8.2.2. By Purpose Type
    • 8.2.3. By Vehicle Type
    • 8.2.4. By Country
      • 8.2.4.1. United States
        • 8.2.4.1.1. Market Trends and Opportunities
        • 8.2.4.1.2. Growth Prospects
      • 8.2.4.2. Canada
        • 8.2.4.2.1. Market Trends and Opportunities
        • 8.2.4.2.2. Growth Prospects
      • 8.2.4.3. Mexico
        • 8.2.4.3.1. Market Trends and Opportunities
        • 8.2.4.3.2. Growth Prospects
  • 8.3. South America
    • 8.3.1. By Provider Type
    • 8.3.2. By Purpose Type
    • 8.3.3. By Vehicle Type
    • 8.3.4. By Country
      • 8.3.4.1. Brazil
        • 8.3.4.1.1. Market Trends and Opportunities
        • 8.3.4.1.2. Growth Prospects
      • 8.3.4.2. Argentina
        • 8.3.4.2.1. Market Trends and Opportunities
        • 8.3.4.2.2. Growth Prospects
      • 8.3.4.3. Others
        • 8.3.4.3.1. Market Trends and Opportunities
        • 8.3.4.3.2. Growth Prospects
  • 8.4. Europe
    • 8.4.1. By Provider Type
    • 8.4.2. By Purpose Type
    • 8.4.3. By Vehicle Type
    • 8.4.4. By Country
      • 8.4.4.1. United Kingdom
        • 8.4.4.1.1. Market Trends and Opportunities
        • 8.4.4.1.2. Growth Prospects
      • 8.4.4.2. Germany
        • 8.4.4.2.1. Market Trends and Opportunities
        • 8.4.4.2.2. Growth Prospects
      • 8.4.4.3. France
        • 8.4.4.3.1. Market Trends and Opportunities
        • 8.4.4.3.2. Growth Prospects
      • 8.4.4.4. Italy
        • 8.4.4.4.1. Market Trends and Opportunities
        • 8.4.4.4.2. Growth Prospects
      • 8.4.4.5. Spain
        • 8.4.4.5.1. Market Trends and Opportunities
        • 8.4.4.5.2. Growth Prospects
      • 8.4.4.6. Others
        • 8.4.4.6.1. Market Trends and Opportunities
        • 8.4.4.6.2. Growth Prospects
  • 8.5. Middle East and Africa
    • 8.5.1. By Provider Type
    • 8.5.2. By Purpose Type
    • 8.5.3. By Vehicle Type
    • 8.5.4. By Country
      • 8.5.4.1. Saudi Arabia
        • 8.5.4.1.1. Market Trends and Opportunities
        • 8.5.4.1.2. Growth Prospects
      • 8.5.4.2. UAE
        • 8.5.4.2.1. Market Trends and Opportunities
        • 8.5.4.2.2. Growth Prospects
      • 8.5.4.3. Others
        • 8.5.4.3.1. Market Trends and Opportunities
        • 8.5.4.3.2. Growth Prospects
  • 8.6. Asia Pacific
    • 8.6.1. By Provider Type
    • 8.6.2. By Purpose Type
    • 8.6.3. By Vehicle Type
    • 8.6.4. By Country
      • 8.6.4.1. Japan
        • 8.6.4.1.1. Market Trends and Opportunities
        • 8.6.4.1.2. Growth Prospects
      • 8.6.4.2. China
        • 8.6.4.2.1. Market Trends and Opportunities
        • 8.6.4.2.2. Growth Prospects
      • 8.6.4.3. India
        • 8.6.4.3.1. Market Trends and Opportunities
        • 8.6.4.3.2. Growth Prospects
      • 8.6.4.4. South Korea
        • 8.6.4.4.1. Market Trends and Opportunities
        • 8.6.4.4.2. Growth Prospects
      • 8.6.4.5. Taiwan
        • 8.6.4.5.1. Market Trends and Opportunities
        • 8.6.4.5.2. Growth Prospects
      • 8.6.4.6. Thailand
        • 8.6.4.6.1. Market Trends and Opportunities
        • 8.6.4.6.2. Growth Prospects
      • 8.6.4.7. Indonesia
        • 8.6.4.7.1. Market Trends and Opportunities
        • 8.6.4.7.2. Growth Prospects
      • 8.6.4.8. Others
        • 8.6.4.8.1. Market Trends and Opportunities
        • 8.6.4.8.2. Growth Prospects

9. COMPETITIVE ENVIRONMENT AND ANALYSIS

  • 9.1. Major Players and Strategy Analysis
  • 9.2. Market Share Analysis
  • 9.3. Mergers, Acquisitions, Agreements, and Collaborations
  • 9.4. Competitive Dashboard

10. COMPANY PROFILES

  • 10.1. Tata Motors Finance
  • 10.2. Genpact
  • 10.3. Solifi
  • 10.4. Bajaj Auto Finance
  • 10.5. Muthoot FinCorp
  • 10.6. Accenture
  • 10.7. Sopra Banking Software
  • 10.8. SAIC Motor
  • 10.9. Alfa Financial Software
  • 10.10. Lincoln