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netcom news recently, the state financial supervision and administration bureau issued an important policy in the "notice on promoting non-bank financial institutions to support large-scale equipment renewal and consumer goods trade-in actions", which encourages the appropriate reduction of the down payment ratio of auto loans and the reasonable determination of the term of auto loans.

the notice mentioned that we should increase auto finance services and support the replacement of old cars with new ones. we encourage auto finance companies and finance companies operating auto finance businesses to increase financing support for municipal transportation companies, help promote the application of new energy vehicles, and promote the replacement of urban buses with electric vehicles, and the replacement of old new energy buses and power batteries.

on the premise of compliance with laws and regulations and controllable risks, we encourage the appropriate reduction of the down payment ratio of auto loans, reasonably determine the auto loan term and credit limit, and lower the threshold for auto consumption.

the policy of reducing down payment for automobiles proposed by the state administration of financial supervision and administration is an important measure to stimulate automobile consumption and promote economic growth. however, potential problems such as credit risk, rising car purchase costs and market chaos need to be fully considered during the implementation of the policy. therefore, it is recommended to strengthen financial supervision, improve market mechanisms, and protect consumer rights during the implementation of the policy to ensure that the policy can truly play a positive role and promote the healthy and stable development of the automobile market.

at the same time, consumers should also look at the low down payment car purchase policy rationally, make reasonable choices based on their own financial strength and car purchase needs, and avoid falling into financial difficulties due to impulse consumption.

(photo/text: zou yuyuan, netcom)