昨日，民生银行(600016,股吧)和德勤联合发布的《2012中国汽车金融报告》称，随着消费群体年轻化、产品供给的丰富及服务效率的提升，未来十年中国汽车消费金融的市场余额将超过10000亿元。

yesterday,Minsheng bank(600016,guba)And deloitte issued jointly by the state[2012 China auto financial report]says,With the young consumer groups/Product supply rich and to promote the efficiency of service,The future ten years China auto financial market balance will be more than 1 trillion yuan.

　　目前，我国汽车消费贷款的渗透率仅为10%，美国、日本等发达国家的数据则达到50%~70%。所谓汽车消费贷款渗透率是指，通过信贷购车的数量占整个汽车销售量的比重。

At present,Our country auto loan permeability is only 10%,The United States/Japan and other developed countries data is 50% ~ 70%.The so-called auto loan permeability refers to,Through the credit of the car number of the proportion of the whole car sales.

　　对于汽车消费信贷的不振，上述报告认为，传统商业银行按照传统的零售贷款模式，专业性不足导致审批慢、效率低。而汽车金融公司受监管政策、资金来源等因素影响，业务规模受到限制。产品单一、利率偏高、手续繁琐等原因导致消费者贷款购车不踊跃。

For the car consumption credit spot,The report says,The traditional commercial bank according to the traditional retail loans mode,Professional leads to slow for examination and approval/Low efficiency.And automobile financial company regulated policy/The impact of factors such as the source of funds,Business scale is restricted.The product of a single/Interest rate on the high side/Procedures such complicated causes consumer loan not enthusiastically.

　　报告显示，2011年，汽车消费金融产品余额达到3000亿元，其中银行消费贷款余额1367亿元，占比41%；信用卡车贷分期余额占比26%；汽车金融公司消费贷款占比28%，其他占5%。

The report shows that,In 2011,,Auto financial products balance reached 300 billion yuan,The bank consumer loan balance is 136.7 billion yuan,Accounted for more than 41%;Credit truck credit installment balance accounts for more than 26%;Automobile financial company consumption loans accounted for more than 28%,The other 5%.

　　“商业银行传统的汽车消费贷款业务由于缺乏对渠道的掌控力，推广成本较高，而借助银行所擅长的批发业务所积累的渠道资源，则可通过快速复制实现规模化扩张。”上述报告认为，“批零结合”的组织模式将成为银行汽车金融业务的发展趋势。

"Commercial bank traditional auto loan business due to lack of channel control force,Promotion cost is higher,And with the bank at the wholesale business accumulated by the channel resources,Can be through the rapid replication to realize scale expansion."The report says,"With zero"The organization mode of the bank will be the trend of the development of the auto finance business.

　　上述报告预计，2015年汽车消费金融市场余额将达到6700亿元，其中商业银行消费贷款余额占50%左右；汽车消费金融消费贷款余额占比24%左右；信用卡车贷分期余额占比20%左右，其他的融资渠道则瓜分剩余份额。

The report is expected to,In 2015, auto financial market balance will reach 670 billion yuan,The commercial bank loan balance consumption accounts for about 50%;Auto financial consumer loan balance accounts for more than 24%;Credit truck credit installment balance accounts for more than 20%,Other financing channels are partitioned residual share.

　　“随着商业银行对汽车消费金融业务的日渐重视，以汽车消费贷款为主的商业银行金融产品将能稳固占据超过一半的市场份额。”报告认为，商业银行雄厚的资金实力也使其能够持续地在不断扩张的汽车消费金融市场中投入资源。

"Along with the commercial Banks to auto financial business growing emphasis,Mainly in auto loan of commercial bank financial products will be able to occupy more than half of the stable market share."The report says,Commercial bank abundant capital actual strength is also to be able to continue to expand in the auto financial market input.