Automotive Financing Market 2021-2031: Market Share and Forecast
预计从 2023 年到 2031 年,汽车融资市场规模的复合年增长率将达到 7.1%。由于当前的汽车融资市场趋势及其在预测期内可预见的影响,汽车融资市场具有增长前景。由于乘用车需求巨大、汽车行业增长迅猛以及电动汽车的增长,汽车融资市场正在增长。
汽车融资市场分析
汽车融资是指使用贷款来为购买新车或二手车提供资金。虽然许多消费者选择全额现金购买汽车,但更多的人选择贷款。二线和三线城市对汽车贷款的需求不断增长以及汽车融资流程的数字化是推动汽车融资市场增长的一些因素。
汽车融资市场行业概况
- 如果一个人没有全部预付款,汽车融资是一种买车的方式。汽车融资涉及从银行或贷方借款并分期偿还,通常还要支付利息。
- 随着汽车需求的增加,制造商本身也开始提供贷款,以方便买家以可承受的价格购买汽车。奥迪、丰田、本田、塔塔、福特、马鲁蒂、斯柯达和大众等汽车制造商为客户提供自有车型贷款。利用制造商融资的主要优势是贷款处理时间缩短,买家可以从更好的贷款条款中受益。
- 根据印度储备银行 2022 年的数据,人们已经看到,如今人们更倾向于汽车贷款而不是住房贷款。对汽车的需求已经增长,超过了之前对拥有房屋的兴趣。
汽车融资市场驱动因素
电动汽车的普及推动汽车融资市场
- 由于制造厂的投资增加,从 2021 年开始,对电动汽车的需求将以更快的速度增长。电动汽车需求的增长主要归因于对低排放汽车的需求不断增加,通过补贴和退税对零排放汽车的支持性法规不断增加,迫使制造商在全球范围内提供电动汽车。
- 此外,电动汽车正在呈指数级增长。根据国际能源署的数据,截至 2022 年,全球有超过 2500 万辆电动汽车投入使用。2022 年售出的所有新车中,电动汽车占 14%,高于 2021 年的 9% 左右。中国处于领先地位,占全球电动汽车销量的 60% 左右。
- 电动汽车需求的增加导致贷款增加,这意味着汽车融资业务的增加。因此,电动汽车的日益普及推动了汽车融资市场的发展。
汽车融资市场报告细分分析
- 根据提供商类型,汽车融资市场细分为银行、OEM 和其他金融机构。预计银行部门将在 2023 年占据相当大的汽车融资市场份额。
按地区划分的汽车融资市场份额分析
汽车融资市场范围主要分为五个地区——北美、欧洲、亚太地区、中东和非洲以及南美。北美正在经历快速增长,预计将占据相当大的汽车融资市场份额。由于乘用车的持续生产,北美国家的汽车工业发达。例如,根据国际汽车制造商组织 (OICA) 2021 年的报告,美国在 2021 年生产了 70,24,288 辆乘用车,2020 年生产了 68,64,024 辆。同样,根据同一报告,加拿大在 2021 年生产了 3,20,605 辆乘用车,2020 年生产了 3,18,750 辆。根据 OICA 统计数据,美国、加拿大和墨西哥在全球乘用车生产领域处于领先地位。因此,随着该地区乘用车的不断生产,对汽车的需求不断增加,因为许多人需要汽车用于工作、学校和日常生活。这增加了北美购买汽车的贷款需求。
汽车融资市场报告范围
“汽车融资市场分析”是根据提供商类型、融资类型、用途类型、车辆类型和地理位置进行的。根据提供商类型,市场细分为银行、OEM 和其他金融机构。根据融资类型,市场细分为直接和间接。根据用途类型,市场细分为贷款、租赁和其他。根据车辆类型,市场细分为商用车和乘用车。根据地理位置,市场细分为北美、欧洲、亚太地区、中东和非洲和南美洲。
汽车融资市场新闻和最新发展
公司在汽车融资市场采用并购等无机和有机策略。以下列出了一些最近的关键市场发展:
- 2023 年 11 月,主要为信用评分较低的消费者提供分期贷款的 OneMain 一直在稳步扩展到信用卡和汽车贷款领域。
[来源:OneMain,新闻稿]
- 2023 年 11 月,意大利 Cenntro 品牌的官方经销商 Gruppo Campello 和专门从事汽车融资和移动出行的国际银行集团 CA Auto Bank 宣布建立战略合作伙伴关系,以营销该品牌的产品。
[来源:Gruppo Campello,新闻稿]
汽车融资市场报告覆盖范围和可交付成果
汽车融资市场预测是根据各种二手和一手研究结果估算的,例如主要公司出版物、协会数据和数据库。市场报告“汽车融资市场规模和预测(2021-2031)”对市场进行了详细的分析,涵盖以下领域-
- 范围内涵盖的所有关键细分市场的全球、区域和国家/地区规模和预测。
- 市场动态,例如驱动因素、限制因素和关键机会。
- 关键的未来趋势。
- 详细的 PEST 和 SWOT 分析
- 全球和区域市场分析,涵盖关键市场趋势、关键参与者、法规和最近的市场发展。
- 行业格局和竞争分析,涵盖市场集中度、热图分析、关键参与者和最新发展。
- 详细的公司简介。
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Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
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North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
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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:
Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.
- 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.