After talking to a number of second-tier dealers, it was discovered where the "pits" were actually executed.

Although the model of auto financing leasing has matured, it is still unclear how to rationalize the entire implementation. The rent-purchase model, which is intended to improve the efficiency of car circulation and the user's car purchase experience, is difficult to achieve the desired results when it is executed online. The poor user experience caused by the delivery speed makes it difficult to achieve the original intention.

When we talk about auto finance leasing, what are we talking about? Reviewing past articles, authors in the industry are very optimistic about this model. From a financial point of view, automobile finance has become blue-red, medium and long-term financial leasing has been changing lanes and overtaking, and the implementation of online car transactions. Tmall 618 car sales data has been announced. Financial leasing has become the biggest driving force, combined with hot topics. From the new retail of automobiles, we must get financial leasing... We even call it "subversive under the surging tide."

However, "heard so many reasons, still not a good life."

The discussions on the topic of financial leasing and new car retail are no different than making a car behind closed doors. The reporter visited a number of participating traditional car dealerships and found that while everyone agrees that financial leasing is a trend in the future of car sales, they are all willing to participate, but the real situation of operating offline is not optimistic.

Users are interested, but the delivery cycle becomes a big problem

"The market reaction is sluggish." - This is the first evaluation of the current market under the financial leasing line in the interview with Yiwu Automobile. In the subsequent exchanges with other distributors, we talked about the market. Most cars are in the same situation when they respond to the rental agency business.

In fact, this situation is also expected. After all, auto finance and auto financing leases have a low penetration rate in China. Most car buyers are still waiting to see how this "niche" car model is used. On the other hand, the industrial chain and financial chain also restrict the development of financial leasing companies.

Sounds like this, it does give financial leases a good reason to "get good or bad". However, after we really came into contact with the dealers who started this business, we found that there were more “pragmatic” difficulties. The delivery cycle after the financial leasing of cars became one of the key factors contributing to its development.

So, what should be the root cause of the unsuccessful progress in the rental and purchasing services? Zhao Yi, general manager of Anyang Zhongyi Automobile, is an industry veteran who has been engaged in car sales for nearly ten years. He told Yiyi Automobile: “In fact, the model of renting and purchasing is mature, but it is currently Dealer side, the delivery cycle is not fast enough, the user experience is greatly reduced, which makes renting purchasing this car can not compete with the traditional financial auto speed, I think this is currently not large The biggest constraint on the scale increase."

For those of us who thought that the car users might not buy it, Zhao Xie told Yiou Automobile: “We met a lot of customers in the exhibition hall and were very interested in propaganda, but during the waiting period before the anxious delivery, there were various All sorts of problems and even some customers are lost because they do not accept the delivery cycle."

Why is it so long with the rental cycle? How big is the difference from full or traditional car loans? Zhao Min told us: “The vehicles involved in renting and purchasing are all public households and require licenses and other links. Our distributors’ stores do not directly provide customers with vehicles that are delivered or only display vehicles. This means that Need to re-arrange vehicles and on the card and other links, coupled with poor transport time, the fastest it takes 3-5 days to deliver the car, waiting for the longest wait of 27 days."

The traditional car consumer financial services provided by 4S stores can already apply on the same day, and grant credits on the same day, and some cars can even be picked up on the same day. At present, the purchase of cars through 4S shops through auto finance has basically been controlled within 2 days. In contrast, the financial leasing services provided by dealers can only be "looks beautiful."

Despite difficulties, practitioners are still optimistic

It is difficult to know that financial leasing has just started, but dealers and auto finance practitioners still choose to “prefer Tiger Mountain”. During the interview, Yiyi Automobile was informed that only five automobile dealers in Anyang City have carried out financial leasing business.

Hangzhou dealers have also joined and will continue on this front. One of Hangzhou’s car dealers told us: “At present, the financial leasing business of automobiles is still in the starting and exploring stage. It is not easy to say in the future, but it will obviously become a trend. At present, the customer group who chooses the direct-rent method, One is that there is no money, the other is young people, and the source of income is not very stable. Overall, the quality of customers is not high, and the proportion is about 10% of the total number of people buying cars."

Although the model of auto financing leasing has matured, it is still unclear how to rationalize the entire implementation. The rent-purchase model, which is intended to improve the efficiency of car circulation and the user's car purchase experience, is difficult to achieve the desired results when it is executed online. The poor user experience caused by the delivery speed makes it difficult to achieve the original intention.

Dealers saw the trend, so they also racked their brains to solve the problem: "At present we are also considering cooperation with the online platform, this time to sign up for the new retail summit of Yiou Automobile, and also hope to have access to some Internet platforms. To see if we can find a suitable way of cooperation."

In fact, offline car dealers are happy to touch the Internet and are also keen to accept the concept of new car retail. Wang Xin, a vehicular supervisor of a car in Guangde County, said to Yi Yiou: “To participate in this summit is to obtain different information or different ideas. Those of us who are offline need to learn new things. Ideas and new models."