Auto Loan Market Growth Insights | 2031
汽车贷款市场规模及趋势
汽车贷款市场规模预计将从2023年的2793.3亿美元增长到2031年的4981.8亿美元;预计 2023 年至 2031 年复合年增长率将达到 7.5%。汽车行业自诞生以来一直呈指数级增长。消费者比以往任何时候都更关注二手车,有些人甚至选择二手车而不是两轮车。反过来,预计这将推动预测期内汽车装载市场增长的需求。
汽车贷款市场分析
汽车的拥有量,很久以前,它曾经是身份的象征,但近年来已成为必需品。因此,消费者越来越倾向于拥有车辆并避开公共交通,这也是全球采用二手车的一个重要因素。数字化程度的提高和具有新颖商业模式的初创公司正在推动二手车融资市场的发展。数字化有助于存储、检索和保留数据。以数字格式保存信息可以减少所需的资本资源并减少存储文档的问题。汽车贷款数字化的浪潮正在不断增长。此外,包括数字贷款文件和电子签名使我们有机会在预测期内在汽车贷款市场中获得优势。
汽车贷款 行业概述 strong>
- 汽车贷款是以汽车本身作为担保的担保贷款。它由贷方为二手车、新车和商用车提供。汽车贷款可通过信用合作社、银行和在线贷款机构获得,并且需要使用车辆作为贷款担保。
- 汽车贷款是一种可以购买车辆的融资方式,例如汽车卡车或汽车,并随着时间的推移还清费用。由于保险和金融行业数字化程度不断提高,汽车贷款市场预计将在预测期内增长。
汽车贷款市场驱动因素
汽车贷款数字化程度不断提高,推动市场增长
- 随着客户购车过程中数字化接触点的不断增加,汽车融资的数字化不可避免。数字化转型浪潮正在席卷众多行业,汽车贷款行业也不例外。因此,随着向数字服务的转变,所有汽车细分市场的客户都在选择无忧的购车旅程。
- 在线汽车金融应用程序的出现和不断上涨的汽车价格正在推动全球汽车贷款市场的增长。此外,汽车金融数字技术的实施也对汽车金融市场的增长产生积极影响。全球各地的汽车贷款机构都在利用生物识别、电子签名和身份证件验证等技术实现消费者体验的数字化。
- 借助先进的文档扫描技术,所有文档都可以数字化、验证和存储。基于云的平台还可以帮助众多参与者并行访问贷款申请并采取行动。数字贷款处理还可以帮助消除多轮讨论和繁琐的文书工作,从而使车辆贷款流程民主化。利用来自开放 API 的信息和信用评分分析对贷款请求进行实时信用风险评估可以大大减少欺诈。因此,汽车贷款市场有望得到保险金融行业数字化的支撑。
汽车贷款 市场报告细分分析
- 根据金融机构,汽车贷款市场分为银行、原始设备制造商、信用合作社和其他贷款提供商。
- 原始设备制造商细分市场在 2023 年占据了重要的汽车贷款市场份额。原始设备制造商正在观察二手车融资需求上升。
- 此外,由于提供更好的售后服务,该银行的业务预计在预测期内将以最快的速度增长。
汽车贷款 市场区域分析
汽车贷款市场报告的范围主要分为五个区域——北美、欧洲、亚太地区、中东和非洲。非洲、南美洲。北美正在快速增长,预计到 2022 年将占据显着的汽车贷款市场份额。亚太地区的二手车融资市场较为分散。众多无组织和有组织参与者的存在塑造了这样的市场格局。此外,大多数汽车制造商除了提供融资外,还与金融机构和银行合作,为客户提供更广泛的选择。
此外,汽车销量的激增也影响了汽车融资量。印度储备银行(RBI)公布的数据显示,截至 2022 年 6 月,商业银行的车辆预付款增长了 18%。其中乘用车的增幅高于商用车。因此,预计亚太地区的市场在预测期内将会增长。
汽车贷款 市场报告范围
“汽车贷款市场分析”是根据车辆类型、所有权、最终用户、贷款提供者和地理位置进行的。从车辆类型来看,市场分为乘用车和商用车。就保有量而言,市场分为新车和二手车。就最终用户而言,市场分为个人和企业。就汽车贷款提供商而言,市场分为银行、原始设备制造商、信用合作社和其他贷款提供商。根据地理位置,市场分为北美、欧洲、亚太地区、中东和中东地区。非洲和南美洲。
汽车贷款 市场领导者和市场领导者份额分析
报告属性 | 详细信息 |
2023年市场规模 | 美元 279.93 十亿 |
2031年市场规模 p> | 美元 498.18 十亿 |
全球复合年增长率(2023-2031) td> | 7.5% |
实际数据 | 2021年 2023年 |
预测时期 | 2024年 – 2031年 |
报告覆盖范围 | 市场规模和预测(美国$)、市场驱动因素和趋势分析、PEST 分析、关键机会、区域和地区国家分析、竞争格局、公司概况 |
涵盖的细分市场 | 按车辆类型(乘用车、商用车);按所有权(新车、二手车);按最终用户(个人、企业);按贷款提供者(银行、原始设备制造商、信用合作社和其他贷款提供者);和地理 |
覆盖地区 | 北美、欧洲、亚太地区、南美洲、MEA |
涵盖的国家/地区< /p> | 美国;加拿大;墨西哥;英国;德国;法国、俄罗斯、意大利;中国;印度;日本、澳大利亚;巴西;墨西哥;沙特阿拉伯;阿联酋;南非 |
市场领导者和主要公司简介 | Ally Financial、HDFC 银行、大通银行、富国银行、第一资本、美国银行、ICICI 银行、农业信贷银行、Mashreq银行、塔塔资本 |
保险汽车贷款< /strong> 市场领导者和市场领导者股票分析
Ally Financial、HDFC Bank、Chase、Wells Fargo、Capital One、Bank of America、ICICI Bank、Credit Agricole、Mashreq银行和塔塔资本。是汽车贷款市场报告中介绍的知名参与者之一。此外,研究期间还对其他几家参与者进行了研究和分析,以全面了解市场及其生态系统。汽车贷款市场预测是根据各种二次和主要研究结果估算的,例如主要公司出版物、协会数据和数据库。
汽车贷款< /strong> 市场新闻和最新动态
公司在汽车贷款市场上采取并购等无机和有机策略。下面列出了最近的一些关键市场动态:
- 2021 年 8 月,塔塔汽车与 Sundaram Finance 合作,为选择购买其品种的客户提供独家优惠乘用车。根据与塔塔汽车公司的合作,Sundaram Finance 同意为新型“Forever”系列汽车提供 6 年期贷款,并提供 100% 融资,这需要最低首付。
(来源:塔塔汽车公司网站)
- 2021 年 11 月,Mahindra & Mahindra Financial Service Limited 推出订阅和租赁业务“Quiklyz”。该合资企业是一个新颖的车辆租赁和订阅数字平台。该平台允许客户选择汽车并提供灵活性。
(来源:Mahindra & Mahindra,公司网站)
- 2021 年 7 月,Maruti Suzuki Limited 推出了数字化为客户提供端到端在线汽车融资解决方案的平台。
(来源:Maruti Suzuki,公司网站)
- 2023 年 5 月,作为 Dutton 的一部分Albert Automotive Holdings Pty Ltd 集团是一家批发和零售二手车企业。二手车经销商双日株式会社收购了该业务,以扩大其在国内外市场的影响力。
(来源:双日株式会社,公司网站)
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汽车贷款 市场报告覆盖范围和市场报告可交付成果
市场报告《汽车贷款市场规模及预测(2021年-2031年)》提供了对以下领域市场的详细分析-
- 市场尺寸&对范围内涵盖的所有关键细分市场进行全球、区域和国家层面的预测。
- 市场动态,例如驱动因素、限制因素和关键机遇。
- 主要未来趋势。
- 详细的 PEST 和分析SWOT 分析
- 全球和区域市场分析,涵盖主要市场趋势、关键参与者、法规和近期市场发展。
- 行业格局和竞争分析,涵盖市场集中度、热图分析、关键参与者和近期发展。
- 详细的公司简介。
Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
Segment Covered
This text is related
to segments covered.
Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
Country Scope
This text is related
to country scope.
Frequently Asked Questions
The key players holding majority shares in the global auto loan market are General Electrics, TomTec, Imaging Systems GMBH, Olympus Corporation, PLANMECA OY, and Ajile Light Industry.
The global auto loan market is expected to reach US$ 498.18 billion by 2031.
The global auto loan market was estimated to be US$ 279.33 billion in 2023 and is expected to grow at a CAGR of 7.5 % during the forecast period 2023 - 2031.
Digital advancements in the auto loan market to play a significant role in the global auto loan market in the coming years.
Increasing investments in the auto loan market and high adoption in the commercial sector are the major factors that propel the global auto loan market.
- Ally Financial
- HDFC Bank
- Chase
- Wells Fargo
- Capital One
- Bank of America
- ICICI Bank
- Credit Agricole
- Mashreq Bank
- Tata Capital
The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.
- Data Collection and Secondary Research:
As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.
Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.
- Primary Research:
The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.
For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.
A typical research interview fulfils the following functions:
- Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
- Validates and strengthens in-house secondary research findings
- Develops the analysis team’s expertise and market understanding
Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:
- Industry participants: VPs, business development managers, market intelligence managers and national sales managers
- Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.
Below is the breakup of our primary respondents by company, designation, and region:
Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.
- Data Analysis:
Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.
- Macro-Economic Factor Analysis:
We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.
- Country Level Data:
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- Company Profile:
The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.
- Developing Base Number:
Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.
- Data Triangulation and Final Review:
The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.
We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.
We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.