lianzhong ucar's diversified automobile consumption services continue to build differentiated core competitiveness
2024-09-17
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at present, with the continuous expansion of automobile consumption, driven by a series of favorable policies, the competition in the bank's automobile finance business, which is centered on auto loans and consumer installments, is becoming increasingly fierce. some financial institutions are under increasing pressure to acquire and expand their customer base, and the "price war" based on high commissions is becoming more and more intense. against the backdrop of the industry's increasing involution, lianzhong youche continues to build differentiated core competitiveness based on compliance with laws and regulations and precise risk control.
as early as april this year, the people's bank of china and the state administration of financial supervision and administration jointly issued the "notice on adjusting relevant policies on auto loans", which clearly encouraged financial institutions to combine new cars, used cars, and car trade-ins and other segmented scenarios to strengthen financial product and service innovation and better support reasonable auto consumption needs. as a veteran institution in the comprehensive auto service market, lianzhong youche has been deeply involved in the industry for many years. the company relies on the direct development model to provide comprehensive derivative services to auto dealers and consumers. the diversified and integrated industry ecology it has built covers auto consumer finance, auto insurance, used car transactions, training support, brand promotion and other links. especially in the field of auto consumer finance, lianzhong youche has always resonated with industry regulatory policies and market demands, and ranks among the top in the industry in various fields such as service efficiency, service quality, and market scale.
as competition in the auto finance business continues to intensify, the lianzhong youche operation team believes that in the future the industry must not only actively experiment with product innovation, but also establish a differentiated competition model in terms of data accumulation, understanding of business scenarios, and maturity of risk control strategies and models.
the head of lianzhong ucar said that in the second half of the year, the company's layout of auto finance business will focus on the following aspects: first, accelerate digital transformation. lianzhong ucar will further use measures such as process digitization, intelligent risk control, and online business to improve service efficiency and quality and streamline service processes; second, in the field of green finance, lianzhong ucar will fully grasp the current market consumption and service trends and focus on the layout of new energy vehicles and second-hand car consumer finance business. in addition, lianzhong ucar will also deepen cooperation with dealers, financial technology companies and other parties to launch customized products and services, and combine regionalization strategies to provide auto installment products and services that are closer to local characteristics.
in the view of the lianzhong youche operation team, the key to whether the auto finance business can be done well lies in whether the brand institutions in the industry have a deep understanding of users. market research shows that the current product design in the field of auto consumer finance still emphasizes traditional factors such as price, term, and down payment, which is far from meeting the more diversified and personalized needs of users. looking to the future, lianzhong youche will be more proactive in policy guidance, market opportunities and risk management under the influence of various support policies of regulatory authorities, especially seizing the growth opportunities in the new energy vehicle market, further opening up incremental markets through the continuous extension of product and service diversification and personalization, and continuously strengthening brand competitiveness through differentiated competition.
