2025美國汽車金融展望：穩定與挑戰并存

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Finance




Morningstar DBRS對2025年美國汽車金融市場展望

根據Morningstar DBRS的預測，2025年美國汽車金融行業將維持穩定的信用評級環境，這主要得益於消費者的韌性和穩定的汽車銷售情況。

儘管汽車製造商面臨潛在的關稅和電動車採用速度放緩等挑戰，但強勁的消費者需求有望支持新的汽車貸款發放。同時，新車的可負擔性壓力也可能推動二手車融資，保持二手車價值的穩定。

大型汽車金融公司預計將報告穩健的盈利，但專注於非優質借款人的小型公司可能會因為高額的準備金和持續的利率壓力而面臨困難。

隨著市場周期的成熟，Morningstar預計信貸表現將會有所放緩，特別是在非優質借款人之間，因為家庭預算緊張將面臨高生活成本的挑戰。然而，該行業公司的融資渠道在2024年依然保持穩健，並預期將持續下去。

新的汽車進口關稅可能會對經濟造成壓力，但也可能促進二手車的需求，這將使二手車貸款人受益，並通過保持二手車價格的穩定來減輕損失的嚴重性。

分析師指出：“我們預計大型汽車金融公司的盈利在2025年將保持韌性，受益於穩健的貸款發放水平，但會受到高額的融資成本和增加的信用成本的部分抵消。”

這一報告突顯了美國汽車金融市場的複雜性，尤其是在面對經濟壓力和消費者行為變化的背景下。隨著電動車的興起和市場的逐步轉型，汽車金融公司需要靈活應對不斷變化的市場需求，特別是在如何吸引和保留非優質借款人方面，這將成為他們未來成功的關鍵。未來的汽車金融產品可能需要更加多樣化，以適應不同消費者的需求及應對潛在的市場風險。

以上文章由特價GPT API根據網上資料所翻譯及撰寫，過程中沒有任何人類參與 🙂

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