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融(rong)資(zi)(zi)租賃(lin)方(fang)(fang)式按照租賃(lin)流(liu)程不(bu)同，可分為直(zhi)接租賃(lin)和(he)售后回(hui)租。目前國(guo)際汽車(che)(che)融(rong)資(zi)(zi)租賃(lin)市場中(zhong)，主流(liu)的汽車(che)(che)融(rong)資(zi)(zi)租賃(lin)方(fang)(fang)式即為此兩(liang)種。

1、直接租(zu)賃(lin)(lin)(lin)：出租(zu)方(fang)(fang)根(gen)據承(cheng)(cheng)租(zu)方(fang)(fang)提(ti)出的(de)(de)車(che)輛租(zu)賃(lin)(lin)(lin)申請(qing)，向(xiang)汽車(che)經(jing)銷商購買(mai)相應的(de)(de)車(che)輛后(hou)，與承(cheng)(cheng)租(zu)人(ren)簽(qian)訂(ding)融資租(zu)賃(lin)(lin)(lin)協議，將車(che)輛出租(zu)給承(cheng)(cheng)租(zu)人(ren)使(shi)用。合同租(zu)賃(lin)(lin)(lin)期內，租(zu)賃(lin)(lin)(lin)車(che)輛的(de)(de)所有(you)權歸出租(zu)方(fang)(fang)所有(you)，承(cheng)(cheng)租(zu)人(ren)則按(an)期向(xiang)出租(zu)方(fang)(fang)支付租(zu)金以(yi)獲取車(che)輛的(de)(de)使(shi)用權。租(zu)賃(lin)(lin)(lin)期滿后(hou)，用戶可以(yi)選擇按(an)照(zhao)車(che)輛殘值購買(mai)車(che)輛或把車(che)輛歸還(huan)給汽車(che)租(zu)賃(lin)(lin)(lin)公司。

直租模式優點(dian)：

方便出(chu)(chu)租(zu)(zu)方控制風險。直租(zu)(zu)模式下(xia)(xia)，車(che)輛登記(ji)在(zai)汽車(che)融資租(zu)(zu)賃(lin)公(gong)司名下(xia)(xia)，有利于防止承(cheng)租(zu)(zu)人將車(che)輛抵押或轉賣，如(ru)果承(cheng)租(zu)(zu)人出(chu)(chu)現逾期違約等現象(xiang)，租(zu)(zu)賃(lin)公(gong)司能更(geng)方便地取回車(che)輛并進(jin)行再(zai)處置。

出租方盈利(li)模(mo)式更多元。直租模(mo)式下，汽車(che)租賃(lin)公司可向(xiang)整(zheng)車(che)廠商/經銷商批量購買(mai)車(che)輛(liang)，相對(dui)擁有(you)更大的議價(jia)空間，且可基(ji)于自(zi)有(you)車(che)輛(liang)拓(tuo)展更多盈利(li)模(mo)式，如賺取汽車(che)批發(fa)零售差價(jia)、裝飾利(li)潤、保險返(fan)點等，增強(qiang)盈利(li)能力。

汽車(che)融資租賃直租模式：

2、售后回租(zu)(zu)：承租(zu)(zu)方以融資(zi)為目(mu)的，將(jiang)已購買的汽(qi)(qi)車出售給融資(zi)租(zu)(zu)賃公(gong)司，融資(zi)租(zu)(zu)賃公(gong)司再將(jiang)該(gai)汽(qi)(qi)車出租(zu)(zu)給承租(zu)(zu)方的業務(wu)活動。

售后回租優點(dian)

售后回租(zu)(zu)模式(shi)能(neng)幫助出租(zu)(zu)人(ren)降低(di)固(gu)定資(zi)(zi)產(chan)比例，獲得良好的資(zi)(zi)產(chan)負債形象，同(tong)時能(neng)吸引(yin)需要盤活固(gu)定資(zi)(zi)產(chan)的客戶群。融資(zi)(zi)租(zu)(zu)賃公司(si)通過支(zhi)付一(yi)定量的現金購買承租(zu)(zu)人(ren)的車輛(liang)，再進行回租(zu)(zu)，為承租(zu)(zu)人(ren)提供了一(yi)定量的現有資(zi)(zi)金支(zhi)持(chi)。

存在(zai)問題

在回租(zu)(zu)(zu)(zu)模式下，車輛登記在承租(zu)(zu)(zu)(zu)人(ren)名(ming)下，汽(qi)車融(rong)資(zi)租(zu)(zu)(zu)(zu)賃公(gong)司和承租(zu)(zu)(zu)(zu)方(fang)一(yi)般不辦理車輛過戶手(shou)續，容(rong)易出現承租(zu)(zu)(zu)(zu)人(ren)將車輛非(fei)法(fa)(fa)處置給善意第(di)三人(ren)，而融(rong)資(zi)租(zu)(zu)(zu)(zu)賃公(gong)司卻(que)難以(yi)追討(tao)的現象。此(ci)外(wai)，融(rong)資(zi)租(zu)(zu)(zu)(zu)賃公(gong)司還將要面對公(gong)權力(li)機關對出租(zu)(zu)(zu)(zu)人(ren)物權的非(fei)故意傷害。當(dang)承租(zu)(zu)(zu)(zu)人(ren)被其他(ta)債權人(ren)起(qi)訴或(huo)強制執行(xing)時(shi)，法(fa)(fa)院較易把融(rong)資(zi)租(zu)(zu)(zu)(zu)賃的機動車當(dang)成承租(zu)(zu)(zu)(zu)人(ren)的財產，予以(yi)保全或(huo)執行(xing)，融(rong)資(zi)租(zu)(zu)(zu)(zu)賃公(gong)司若想維權，則需要耗費較大成本。

汽車融資(zi)租賃售后回租模(mo)式：

現(xian)階(jie)段，汽(qi)(qi)車融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)企業(ye)(ye)(ye)(ye)由商(shang)(shang)務(wu)部和(he)(he)銀(yin)(yin)保(bao)監(jian)(jian)(jian)會(hui)監(jian)(jian)(jian)管(guan)(guan)(guan)。商(shang)(shang)務(wu)部依據《外商(shang)(shang)投資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)業(ye)(ye)(ye)(ye)管(guan)(guan)(guan)理(li)辦法》對汽(qi)(qi)車融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)企業(ye)(ye)(ye)(ye)進(jin)行(xing)(xing)(xing)(xing)(xing)監(jian)(jian)(jian)管(guan)(guan)(guan)，銀(yin)(yin)保(bao)監(jian)(jian)(jian)會(hui)依據《金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)公司(si)管(guan)(guan)(guan)理(li)辦法》和(he)(he)《汽(qi)(qi)車金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)公司(si)管(guan)(guan)(guan)理(li)辦法》對汽(qi)(qi)車融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)企業(ye)(ye)(ye)(ye)進(jin)行(xing)(xing)(xing)(xing)(xing)監(jian)(jian)(jian)管(guan)(guan)(guan)。整(zheng)體而言，銀(yin)(yin)監(jian)(jian)(jian)會(hui)實施(shi)(shi)的(de)(de)(de)監(jian)(jian)(jian)管(guan)(guan)(guan)政(zheng)(zheng)(zheng)策(ce)(ce)(ce)規(gui)(gui)定更為(wei)詳盡，對汽(qi)(qi)車融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)機(ji)(ji)構的(de)(de)(de)設(she)立與變更、業(ye)(ye)(ye)(ye)務(wu)范圍、風險控制等多個(ge)方面(mian)都作(zuo)出具體規(gui)(gui)定。商(shang)(shang)務(wu)部執(zhi)行(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)管(guan)(guan)(guan)理(li)規(gui)(gui)定則相(xiang)對較為(wei)籠(long)統(tong)，對汽(qi)(qi)車融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)的(de)(de)(de)監(jian)(jian)(jian)管(guan)(guan)(guan)相(xiang)對寬松。兩部門(men)同時監(jian)(jian)(jian)管(guan)(guan)(guan)，各(ge)司(si)其令，容易(yi)使監(jian)(jian)(jian)管(guan)(guan)(guan)政(zheng)(zheng)(zheng)策(ce)(ce)(ce)不(bu)統(tong)一甚至產(chan)生矛盾，不(bu)利(li)于(yu)汽(qi)(qi)車融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)的(de)(de)(de)發(fa)(fa)展(zhan)。為(wei)促進(jin)汽(qi)(qi)車融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)的(de)(de)(de)健康有序發(fa)(fa)展(zhan)，商(shang)(shang)務(wu)部、銀(yin)(yin)監(jian)(jian)(jian)會(hui)相(xiang)繼出臺多項(xiang)政(zheng)(zheng)(zheng)策(ce)(ce)(ce)和(he)(he)規(gui)(gui)范性(xing)文件，明確融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)的(de)(de)(de)市(shi)(shi)(shi)場(chang)(chang)準入、稅收政(zheng)(zheng)(zheng)策(ce)(ce)(ce)和(he)(he)監(jian)(jian)(jian)管(guan)(guan)(guan)規(gui)(gui)則。2015年(nian)9月，國務(wu)院發(fa)(fa)布(bu)《關于(yu)加快融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)業(ye)(ye)(ye)(ye)務(wu)發(fa)(fa)展(zhan)的(de)(de)(de)指導(dao)意(yi)見》，在公交車、出租(zu)(zu)(zu)車、公務(wu)用(yong)(yong)車等領域鼓(gu)勵通(tong)過(guo)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)發(fa)(fa)展(zhan)新能源汽(qi)(qi)車及配套(tao)設(she)施(shi)(shi)。積極(ji)穩妥發(fa)(fa)展(zhan)居(ju)民家(jia)庭(ting)消(xiao)費品租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)市(shi)(shi)(shi)場(chang)(chang)，發(fa)(fa)展(zhan)家(jia)用(yong)(yong)轎車、家(jia)用(yong)(yong)信息設(she)備、耐用(yong)(yong)消(xiao)費品等融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)。鼓(gu)勵融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)公司(si)通(tong)過(guo)債券、發(fa)(fa)行(xing)(xing)(xing)(xing)(xing)股票和(he)(he)資(zi)(zi)(zi)產(chan)證券化等方式籌措資(zi)(zi)(zi)金(jin)來降低資(zi)(zi)(zi)金(jin)成本(ben)。2010年(nian)，天(tian)津市(shi)(shi)(shi)政(zheng)(zheng)(zheng)府發(fa)(fa)布(bu)《關于(yu)促進(jin)天(tian)津市(shi)(shi)(shi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)發(fa)(fa)展(zhan)的(de)(de)(de)意(yi)見》，大(da)力支(zhi)持(chi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)市(shi)(shi)(shi)場(chang)(chang)發(fa)(fa)展(zhan)。同時天(tian)津市(shi)(shi)(shi)利(li)用(yong)(yong)濱海新區(qu)先行(xing)(xing)(xing)(xing)(xing)先試(shi)的(de)(de)(de)政(zheng)(zheng)(zheng)策(ce)(ce)(ce)優(you)(you)勢，為(wei)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)企業(ye)(ye)(ye)(ye)提供了一系列優(you)(you)惠政(zheng)(zheng)(zheng)策(ce)(ce)(ce)與鼓(gu)勵機(ji)(ji)制。2014年(nian)1月，深圳市(shi)(shi)(shi)出臺《關于(yu)推進(jin)前海灣(wan)報稅港區(qu)開展(zhan)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)業(ye)(ye)(ye)(ye)務(wu)的(de)(de)(de)試(shi)點(dian)意(yi)見》，從市(shi)(shi)(shi)場(chang)(chang)準入、海關政(zheng)(zheng)(zheng)策(ce)(ce)(ce)、跨(kua)境融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)等三個(ge)方面(mian)對前海發(fa)(fa)展(zhan)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)業(ye)(ye)(ye)(ye)務(wu)進(jin)行(xing)(xing)(xing)(xing)(xing)扶持(chi)。目(mu)前天(tian)津濱海、深圳前海、上海自(zi)貿區(qu)已(yi)大(da)力推動當(dang)地融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)的(de)(de)(de)發(fa)(fa)展(zhan)，并率先形成了適于(yu)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)租(zu)(zu)(zu)賃(lin)(lin)(lin)(lin)(lin)(lin)業(ye)(ye)(ye)(ye)務(wu)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)發(fa)(fa)展(zhan)的(de)(de)(de)環境。

現階段(duan)(duan)，中(zhong)國的(de)汽車融資(zi)租賃(lin)行業(ye)尚(shang)處于發展階段(duan)(duan)，相關的(de)法律問題(ti)、征信問題(ti)和二手(shou)車市場發展問題(ti)尚(shang)未解決(jue)，汽車融資(zi)租賃(lin)企業(ye)與整車廠商(shang)和經銷商(shang)的(de)合作關系尚(shang)未清晰，融資(zi)租賃(lin)購車方式的(de)滲透率(lv)較低(di)。

據(ju)統計2019年中(zhong)國新車零售總(zong)額為39389億(yi)(yi)元(yuan)(yuan)，二手車交易金額為9356.86億(yi)(yi)元(yuan)(yuan)，同(tong)期中(zhong)國汽車金融市(shi)場規模為16568億(yi)(yi)元(yuan)(yuan)，汽車融資租(zu)賃市(shi)場規模為932億(yi)(yi)元(yuan)(yuan)。

相比(bi)歐美成(cheng)熟的(de)(de)汽(qi)車融資租(zu)(zu)(zu)賃(lin)(lin)市(shi)場的(de)(de)高滲透率，中國(guo)的(de)(de)汽(qi)車融資租(zu)(zu)(zu)賃(lin)(lin)模式仍有(you)較大的(de)(de)發展(zhan)潛力。隨著汽(qi)車融資租(zu)(zu)(zu)賃(lin)(lin)行業(ye)的(de)(de)發展(zhan)加速，未(wei)來(lai)5年內，汽(qi)車融資租(zu)(zu)(zu)賃(lin)(lin)的(de)(de)滲透率有(you)望逐步提(ti)升(sheng)。

2019年，雖(sui)然汽(qi)車產銷量增速有所放緩，但是汽(qi)車金(jin)融的(de)滲透率卻在(zai)不斷增加(jia)，伴隨著汽(qi)車金(jin)融滲透率的(de)不斷增加(jia)，中(zhong)國汽(qi)車金(jin)融市場的(de)規(gui)模也(ye)呈現不斷擴(kuo)張的(de)態勢(shi)。

2017年，中(zhong)國汽(qi)車金融市(shi)場(chang)總(zong)(zong)規模已經達到了(le)11623億(yi)元(yuan)(yuan)，2018年中(zhong)國汽(qi)車金融市(shi)場(chang)總(zong)(zong)規模約(yue)為13550億(yi)元(yuan)(yuan)。2019年，中(zhong)國汽(qi)車金融行業規模總(zong)(zong)體穩(wen)定(ding)增(zeng)長至16568億(yi)元(yuan)(yuan)。