Playing a car offline experience store Problems and Risks of Auto Financial Leasing Despite the rapid development, there are many problems in the auto finance leasing industry, which is still in its infancy in China. The first problem is the high rates. At the current stage, the prices of China's auto financing leasing products are generally on the high side. According to data from iResearch, taking the "1+3" or 4-year "rent-to-buy" program as an example, the rate of purchasing a car through this program
is generally above 20%, but this data is not in the US market. to 10%. Although car finance leasing provides a flexible financing solution, for those with the purpose of buying a car, the actual cost is higher than buying a car with a loan: the down payment is low, but the rate is high. Prices are high for a number of reasons: From the perspective of the industry structure, in the field of sms marketing service automobile circulation, manufacturers and dealers have formed a manufacturer-led cooperation model, and the impact of the rise of automobile financial leasing platforms on the interest structure is still uncertain.