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二手车市场销量下降，金融市场迎来发展

2017-07-27 15:33:36 类型：行业最新动态 作者：wn
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导读：步入夏季，天气越来越热，温度的上升却给二手车市场降了温！时值年中，车商们忙着清库存，新旧车“争夺客户”的局面愈演愈烈，就目前销量下滑的二手车市场而言，大多数消费者比较青睐5岁左右的二手车，同时这也是二手车出售的黄金时间！

步入夏季，天气越来越热，温度的上升却给二手车市场降了温！时值年中，车商们忙着清库存，新旧车“争夺客户”的局面愈演愈烈，就目前销量下滑的二手车市场而言，大多数消费者比较青睐5岁左右的二手车，同时这也是二手车出售的黄金时间！

5岁以内二手车顾客最青睐

5年左右车龄的二手车是顾客的“心头好”。数据显示，2017年一季度和第二季度，市场上车龄为三到六年的二手车交易量占销售总量将近一半。5年左右车龄的二手车还比较新，且价格又比同款新车低很多，“这类二手车性价比最好”。例如：车龄为两年的2013款奔驰CLS350，新车指导价是99.65万元，如今的二手价为63.50万元，相差36.15万元。与之相对应的，年头过久的二手车也不好卖。原因是车辆在使用四到六年后，有些部件开始趋于老化，超过5年车龄的车，在保养、维修等方面的费用会大大增加。

今年上半年，车龄数据中，1年内二手车与新车差距小，但销售风险高，交易存量下降；2至6年二手车成为主流，年均占比在10%以上，4年车龄二手车市场存量达到14.71%，位列一；7到10年二手车市场存量存在一定波动性，主要是国四环保政策的限迁问题，存在波动性；10年以上二手车市场占比则不足5%，但是下滑趋势有所减少。

此外，从去年全国二手车交易中，白色车型占比一，超过20%，黑色车型市场占比有所减少，今年白色车型仍为销售主力！三厢车仍旧是交易量主流，SUV车型交易热度始终较高，7座车型供不应求，MPV近期市场存量减少，相对稳定。

二手车金融需求空前高涨

如今汽车流通领域最炙手可热的非二手车和汽车金融莫属，与此同时，二手车金融也开始引发广泛关注。在此之前，很少有金融机构涉足二手车金融，尤其是二手车库存融资，但行业的发展证明，如果没有金融支持，以车源为核心竞争力的二手车商就只能靠自有资金购车，严重阻碍了他们的业务发展速度，要形成连锁规模和品牌效应更是难上加难。

目前，二手车金融平台层出不穷，但是周围人却很少用，渗透率还是很低！首先，二手车车况复杂，没有统一的标准，造成了很多金融机构很难判定其价值，因此尽管看好二手车市场，但却不敢开发相应的金融产品，即使有，贷款利率也比较高，不符合市场需求。

其次，由于限迁、税收、产权登记等政策限制，大多数二手车经销商经营规模不大，无法提供完整的贷款申请材料，即使通过审批，贷款额度也受到限制，不能满足车商需求。

随着政策的好转，汽车金融深入二手车领域的通道正在慢慢打开。取消限迁的全国流通可能并不会短期全面解决，也不会带来太多实质增长。行业整体进入到淡季，新车会与二手车产生激烈的客户争夺，新车的金融优势将取代部分二手车的价格优势，因此二手车金融需求将空前高涨。更多二手车资讯，搜索济南二手车网了解！

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