2020 is an extraordinary year, and the impact of the COVID-19 epidemic has made the adjustment of the pattern of the automobile industry, which is brewing in the cold winter of the market, more profound.
2020 China Auto Industry Summit consists of two meetings: China Auto Finance Annual Meeting and China Auto Innovation Summit. Five round-table dialogues were held on hot topics in different industries.
At the annual meeting of automobile finance in the morning, the round-table discussion on how to tap new growth points of automobile consumption and how to improve service efficiency and quality through scientific and technological innovation showed the important role of automobile finance in promoting automobile consumption. At the same time, auto finance must innovate constantly and improve its quality through scientific and technological means.
In the afternoon, an automobile innovation summit was held around the theme of "Smart Electricity Future". 2 1 Century Business Herald and China Electric Vehicle 100 Committee jointly created a video talk show "New Business Geography of Automobile". At this summit, with the theme of "New Energy Vehicles in China, New Opportunities and Challenges", the reasons behind the outbreak of high-end and low-end markets of new energy vehicles this year and the advantages and disadvantages of charging and replacing electricity were discussed in depth. In addition, at this summit, 2 1 Century Business Herald also released two heavy reports in conjunction with other authoritative organizations.
On the same day, the 7th China Auto (Finance) 50-member Forum (closed meeting) was successfully held simultaneously, and an award ceremony was held. At this summit, the results of the 2020 China Automobile "Golden Engine" Award were officially announced, and a grand award ceremony was held on the spot.
1, the auto market will be cautiously optimistic next year.
Shen Jinjun, President of china automobile dealers association, pointed out in the opening speech of the 2020 China Auto Finance Annual Conference held on the morning of June 5438+065438+1October 2/KLOC-0 that the COVID-19 epidemic had a profound impact on our consumption habits in China. A series of policies to promote consumption have been continuously introduced and landed, which has boosted the recovery of the industry. The related policies introduced one after another this year have a characteristic: the accuracy of policies is getting better and better, and the implementation of policies is getting stronger and stronger.
Although the overall trend of passenger car market shows a positive growth state at the basic level, it still faces great pressure. This year, the characteristics of high-end and low-end differentiation are particularly obvious: luxury cars have shown stronger high growth characteristics than before after the epidemic, increasing by more than 30% year-on-year, while independent brands have changed from a relatively good state in the past to a relatively low state now.
"The core reason for the differentiation is not because of the differentiation of the manufacturers themselves, but because of the influence of demand. The traditional automobile market below 80,000 yuan has shrunk dramatically; More than 250 thousand yuan showed high growth, and the growth rate in the past three years was better than that in the industry; The average price of manufacturers below 80,000 yuan is only about 10%, while the proportion of luxury cars exceeds 80%. " Cui Dongshu, secretary general of the National Passenger Car Information Association, pointed out that the positioning of car companies and products determines the chances of survival of enterprises.
The Survey Report on China Automobile Consumption Trend in 2020 jointly launched by China Automobile Finance Laboratory and Nielsen shows that up to now, 4S shops are still the mainstream channel for car purchase, but the network has gradually become a supplementary and incremental channel for new energy vehicles, and the price of car purchase on the network side has risen, moving closer to the offline channel. Preferential price and time saving are the main choices of network channels, among which new energy vehicle users pay more attention to promotion factors and can order offline. In the second-hand car purchase channel, the proportion of choosing e-commerce platform dropped significantly, while online auction rose rapidly.
At the launch site, Mr. Wang Xiang, Vice President of Nielsen China District, said: Compared with previous years, the credit penetration rate of traditional channels has steadily increased, while the network side has greatly improved. Half users choose to use auto finance products; The acceptance of potential users using financial products is higher than that of existing and repurchased users.
With the development of cloud computing, blockchain, artificial intelligence and other technologies, digital transformation has become a new driving force for the development of auto finance.
At the 2020 China Auto Finance Annual Meeting held in the morning, Enrique? Mendoza) delivered a keynote speech in the form of online video, pointing out that although the growth rate of China automobile market is slowing down, it is still stable as a whole and has entered a mature stage of development, so it is normal for the growth rate to slow down.
Guangzhou Automobile Huili Automobile Finance Co., Ltd. is also applying more and more new technologies to automobile financial services. This year marks the tenth anniversary of the establishment of GAC Huili. Along the way, GAC Huili has continuously innovated financial products and services. This year, it launched Yi Hui Angel Loan, parts financing, value-added repurchase products and personal taxi products.
"In terms of smart auto finance, GAC Huili is committed to using various financial technologies in its business, actively embracing the changes and innovations in the digital age, and intends to provide the necessary support for auto financial services through technology." Amir Zhu Lappucci, general manager of Guangzhou Automobile Huili Automobile Finance Co., Ltd. (DJOURABTCHI) said.
In the post-epidemic era, digitalization and intelligence are playing an increasingly important role in automobile consumption, and digital transformation is also becoming the only way for the transformation and upgrading of automobile service and automobile financial service institutions.
2. Two new growth points of automobile consumption
China's auto market has entered a stock dispute. In recent years, whether it is a car manufacturer, a car dealer or a car e-commerce, everyone is looking for opportunities in the stock market era.
Under this background, a special round-table dialogue was held with 50 members of China Automobile (Finance) on the topic of "How to tap the new growth point of automobile consumption".
The guests who participated in the discussion generally agreed that the two fields of new energy vehicles and used cars will become new growth points of automobile consumption, and the key lies in how to tap the opportunities.
Shen Genwei, general manager of Shanghai Automotive Group Finance Co., Ltd. believes that just as smart phones replace feature phones now, electric cars and smart cars will change people's lives in the future. In the process of this change, it will bring new business opportunities.
"New energy vehicles are a huge market, and the growth point is obviously here. People from auto finance companies will always follow the footsteps of the main engine factory and serve it. History is like this. Following the trend will definitely rise, and it will definitely not work against the trend. " Xu Yulin, executive deputy general manager of GAC Huili Auto Finance Co., Ltd. said.
However, according to Yao, the founder and CEO of Hangzhou Dashou Car Service Co., Ltd., new energy vehicles still need the growth and iteration of technology, which is difficult to solve in a short time. How much is the value of new energy vehicles and how financial instruments are involved, whether it is to promote circulation or consumption, will become a huge obstacle. He believes that the current growth opportunities still come from used cars.
Besides new energy vehicles and used cars, Lang Yonghong, deputy secretary-general of china automobile dealers association, believes that the right to use is also one of the growth points of automobiles in the future. In the past, automobile consumption was basically property consumption, and there will be more short-term financial leasing products in the future.
Digitalization plays an increasingly prominent role in auto finance approval and risk control. Chen Xin, deputy general manager of Shanghai Cangu Investment Management Consulting Service Co., Ltd. said that this year, the company mainly used big data analysis to optimize the process, and strived to achieve "80% of contracts should be completed within 30 minutes".
The application of emerging scientific and technological means in auto finance is gradually increasing, which also improves the efficiency of financial examination and approval and the level of risk control. From the perspective of technology companies, Wang Zeyan, vice president of marketing of Shenzhen Shengyang Technology Co., Ltd., said that in order to better serve financial institutions, technology companies should first comply with regulations, secondly mature technology, and thirdly understand relevant business scenarios. Shengyang Technology specializes in voiceprint recognition, which can be used for identity recognition and "anti-fraud" in specific fields.
3. China's automobile industry has always been the pioneer of global change.
In the afternoon, 2020 China Automobile Innovation Summit was held, focusing on the theme of "Smart Electricity Future". More than 20 well-known enterprise executives and senior experts from the production, manufacturing and sales of the whole automobile industry chain brought an ideological feast.
At present, the global automobile industry is undergoing a once-in-a-century change. Cars are changing from traditional fuel vehicles to electric, intelligent and networked vehicles. All car companies are deeply involved in this comprehensive and profound change.
Zheng Yun, senior global partner of roland berger and vice president of Greater China, believes that the global automobile market is still subverting, and China has been at the forefront of global changes in terms of user preferences, policies, infrastructure and technology investment, and has become the most subversive country. At the same time, because the development of the market is entering the "new normal"; Affected by the COVID-19 epidemic, it is expected that the sales volume will show a U-shaped recovery trend in the short term and will continue to grow steadily in the long term.
Even so, due to the rise of a new generation of consumer groups represented by generation Z and the inconvenience of offline store marketing during the epidemic, traditional marketing needs to be changed urgently.
Li Feng, vice president of Hyundai Motor Group (China) and general manager of Dongfeng Da Yue Kia, believes that enterprises should provide a stage for free display in the face of the "Z generation" who occupies 40% of the consumption power of this era, has a stronger personality, is keen on digital technology, is pragmatic and is good at displaying. The top priority of Dongfeng Da Yue Kia's strategy in the next stage is to become a new life builder with wisdom as the core behavior carrier.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.