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2003年《汽车金融公司管理办法》以及《汽车金融公司管理办法实施细则》出台后,银监会先后批准了上汽通用、大众、丰田、福特、戴姆勒-克莱斯勒5家外资汽车金融公司从事汽车消费信贷业务。有研究者指出,汽车金融公司的进入,将为2004年国内银行对汽车消费“限贷”后的车市带来“鲶鱼效应”——对广大购车群体来说,多了一个专业、便捷、高效的融资通道;同时,即使仍从银行贷款买车,消费者也会享受到比原来
After the promulgation of Measures for the Administration of Auto Finance Companies and Rules for the Implementation of the Measures for the Administration of Auto Finance Companies in 2003, the CBRC approved the five consumer auto finance companies of SAIC-GM, Volkswagen, Toyota, Ford and DaimlerChrysler in the automobile consumer credit business. Some researchers pointed out that the entry of auto finance companies will bring “catfish effect” to the auto market after the “limit credit” of automobile consumption by domestic banks in 2004 - more professional, convenient and efficient for the majority of car buying groups Of the financing channel; the same time, even if still buying a car from a bank loan, consumers will enjoy than the original