시장보고서
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1486792

세계의 자동차 금융 시장 평가 : 공급자 유형, 차량 유형, 차량 분류, 목적, 금융 유형, 지역별 기회와 예측(2017-2031년)

Automotive Finance Market Assessment, By Provider Type, By Vehicle Type, By Vehicle Condition, By Purpose Type, By Finance Type, By Region, Opportunities and Forecast, 2017-2031F

발행일: | 리서치사: Market Xcel - Markets and Data | 페이지 정보: 영문 229 Pages | 배송안내 : 3-5일 (영업일 기준)

    
    
    


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세계 자동차 금융 시장 규모는 2023년 2,768억 5,000만 달러에서 2024년부터 2031년까지 예측 기간 동안 7.54%의 연평균 복합 성장률(CAGR)로 성장하여 2031년에는 4,951억 3,000만 달러 규모에 달할 전망입니다.

도시화, 라이프스타일의 변화, 가처분 소득 증가에 힘입어 세계 자동차 금융 시장은 괄목할만한 성장과 진화를 거듭하고 있습니다. 세계 중산층 인구가 계속 증가함에 따라 승용차 수요는 계속 증가하고 있으며, 세계 자동차 금융 시장도 성장하여 더 많은 고객에게 서비스를 제공할 것으로 예상됩니다.

기술은 세계 자동차 금융 시장의 발전과 변화에서 중요한 역할을 하고 있으며, 디지털 혁신은 고객과 금융 제공업체가 관계를 맺는 방식을 완전히 바꾸어 놓았습니다. 대출 및 금융 신청은 디지털화되었고, 대출 신청부터 승인까지 모든 과정이 디지털화되어 서류 작업이 필요 없게 되었습니다.

자동차 수요와 대출 유통의 끊임없는 성장:

다양한 자동차의 판매와 수요는 전 세계적으로 매년 증가하고 있으며, 이는 세계 자동차 금융 시장을 주도하고 있습니다. 전 세계적으로 신차 및 중고차 수요가 증가하면서 자동차 금융의 필요성이 증가하고 있습니다. 소비자들은 스타일, 기능, 신뢰성 등 자신의 취향에 맞는 자동차를 구입하기 위해 금융 솔루션을 찾고 있으며, 이는 전체 시장 성장에 기여하고 있습니다.

세계 자동차 금융 시장을 주도하는 자동차 구입 용이성:

자동차 구입의 용이성은 세계 자동차 금융 시장의 기본적인 촉진요인으로 소비자 행동에 영향을 미치고 자금 조달 솔루션에 대한 수요를 형성하고 있습니다. 자동차 가격이 지속적으로 상승함에 따라 자동차 금융은 더 많은 사람들이 자동차를 구입할 수 있다는 점에서 중요한 역할을 하고 있습니다. 첨단 기술 및 안전 장비 등의 요인으로 인한 자동차 가격 상승은 많은 소비자들이 차량을 구입하는 것을 경제적으로 어렵게 만들고 있습니다.

세계 자동차 금융 시장을 조사했으며, 시장 정의와 개요, 시장 규모 추이 및 예측, 각종 부문별/지역별 상세 분석, 산업 구조, 시장 성장에 영향을 미치는 요인 분석, 사례 연구, 경쟁 구도, 주요 기업 프로파일 등의 정보를 정리하여 전해드립니다.

목차

제1장 조사 방법

제2장 프로젝트의 범위와 정의

제3장 주요 요약

제4장 고객의 소리

  • 인구통계
  • 시장 인지도와 제품 정보
  • 브랜드 인지도와 로열티
  • 구입 결정시에 고려되는 요소
  • 구입 목적
  • 구입 매체
  • 구입 빈도
  • 친구나 가족으로부터 추천
  • 제품/브랜드 침투에서 브랜드 앰베서더 또는 기업 마케팅의 역할

제5장 세계의 자동차 파이낸싱 시장 전망

  • 시장 규모와 예측
  • 프로바이더 유형별
    • 은행
    • NBFC
    • OEM
    • 기타
  • 차량 유형별
    • 승용차
    • 상용차
  • 차량 구분별
    • 신차
    • 중고차
  • 목적별
    • 대출
    • 리스
    • 기타
  • 파이낸싱 유형별
    • 직접
    • 간접
  • 지역별
    • 북미
    • 유럽
    • 남미
    • 아시아태평양
    • 중동 및 아프리카
  • 기업별 시장 점유율

제6장 세계의 자동차 파이낸싱 시장 전망 : 지역별

  • 북미
  • 유럽
  • 남미
  • 아시아태평양
  • 중동 및 아프리카

제7장 시장 매핑, 2023년

  • 프로바이더 유형별
  • 차량 유형별
  • 차량 구분별
  • 목적별
  • 파이낸싱 유형별
  • 지역별

제8장 거시환경과 산업 구조

  • 수급 분석
  • 수출입 분석
  • 밸류체인 분석
  • PESTEL 분석
  • Porter의 Five Forces 분석

제9장 시장 역학

  • 성장 촉진요인
  • 성장 저해요인(과제·제약)

제10장 주요 기업 상황

  • 시장 리더 주요 5개사 경쟁 매트릭스
  • 시장 리더 주요 5개사 시장 매출 분석
  • 인수합병(M&A) 및 합작투자(해당하는 경우)
  • SWOT 분석(시장 기업 5개사)
  • 특허 분석(해당하는 경우)

제11장 가격 분석

제12장 사례 연구

제13장 주요 기업 전망

  • Ally Financial Inc.
  • Bank of America Corporation
  • JPMorgan Chase & Co.
  • Toyota Financial Services
  • Ford Motor Credit Company LLC
  • General Motors Financial Company, Inc.
  • Capital One Financial Corporation
  • Daimler Truck Financial Services USA LLC
  • General Motors Financial Company, Inc.
  • Volkswagen Finance Private Limited

제14장 전략적 제안

제15장 당사에 대해 & 면책사항

LSH 24.06.10

Global automotive finance market is projected to witness a CAGR of 7.54% during the forecast period 2024-2031, growing from USD 276.85 billion in 2023 to USD 495.13 billion in 2031. Global automotive finance market is a vital market in the realm of the automotive industry and consumer loans industry, facilitating vehicle ownership through a diverse range of products and services. Global automotive finance market is flooded with multiple players, such as Banks, Financial Institutions, NBFCs, and vehicle manufacturing companies, serving a large and diverse consumer base through loan advances and financing facilities. The market is pivotal in enabling individuals, businesses, and organizations to access vehicles by offering flexible financing options tailored to diverse needs and preferences. Automotive finance encompasses a range of solutions, including auto loans, vehicle leases, dealer financing, manufacturer-backed financing, and commercial fleet financing.

In recent years, the global automotive finance market has experienced significant growth and evolution, driven by various factors such as constantly increasing sales and demand for vehicles in all corners of the globe, fueled by urbanization, changing lifestyles, and, most importantly, rising disposable incomes. As the global middle-class population continues to expand, the demand for passenger vehicles will continue to increase, and simultaneously, the global automotive finance market will grow and serve more customers. As consumers seek affordable and accessible ways to purchase or lease vehicles, automotive finance offers a practical solution by allowing them to spread the cost of ownership over time through installment payments.

Technology has played a fair share in the development and changing of the landscape of the global automotive finance market with digital innovations and products transforming the way customers interact with the finance provider. Loan or finance applications have become digital where every part of the process from loan applications to approvals has been digitalized with no paperwork required.

Constant Growth in Vehicle Demand and Loans Distribution

Year after year, sales and demand for various vehicles worldwide constantly grow, subsequently driving the global automotive finance market. The growing demand for both new and used vehicles worldwide drives the need for automotive financing. Consumers seek financing solutions to acquire vehicles that meet their preferences for style, features, and reliability, contributing to overall market growth.

Globally, automobile prices are increasing due to the high inflation rate and higher vehicle demand than vehicle supply. On the deeper dive, there is constantly increasing demand for hybrid vehicles and EVs, which are already available at comparatively higher prices than petrol or diesel vehicles. As consumers consider transitioning to electric or hybrid models, automotive finance becomes essential in making these vehicles more financially accessible. Financing options help to spread the higher purchase price over manageable monthly payments.

In 2023, global vehicle sales were more than 92 million, surpassing pre-COVID-19 levels. Passenger sales accounted for more than 65 million. Global new-car sales increased by about 10% after maintaining constant revenue in 2022. EU new-car sales increased by over 14%, reaching 10.5 million units. Japanese and United States automobile sales showed substantial increases, growing by over 16% and more than 14%, respectively.

Vehicle Affordability Driving Global Automotive Finance Market

Vehicle affordability is a fundamental driver of the global automotive finance market, influencing consumer behavior and shaping the demand for financing solutions. As vehicle costs continue to rise, automotive finance plays a crucial role in making vehicle ownership accessible to a broader population. Rising vehicle prices, driven by factors such as advanced technology and safety features, make purchasing a vehicle outright financially challenging for many consumers.

Automotive finance allows individuals and businesses to spread the cost of a vehicle over time through manageable monthly payments, reducing the upfront financial burden. Automotive finance provides flexibility in payment options, allowing consumers to choose loan terms and down payment amounts that align with their budget and financial situation. Longer loan terms and lower down payments enable individuals to afford higher-priced vehicles without compromising their financial stability.

The car finance branch of China's state-owned automaker FAW Group has established a no-downpayment lending scheme, making it one of the first lenders to do so since the elimination of government-mandated minimum payments. The move aims to maximally relieve customers' car purchase pressure.

Partnerships with Dealerships and Automakers to Drive the Market Growth

Partnerships with dealerships and automakers, also known as direct finance, play a crucial role in driving the global automotive finance market, fostering collaboration between automotive finance providers, dealers, and manufacturers to streamline the vehicle purchasing process and enhance customer experience. These partnerships between the automakers and the automotive financial services providers help the customers by providing a seamless and syndicated service and help the global automobile finance market as well. Through this collaboration, the finance providers get direct customers who are buying a vehicle and provide an overall boost to the market.

Also, partnerships enable dealerships to offer competitive financing rates and promotions to customers through preferred finance providers. It incentivizes consumers to finance their vehicle purchases at the point of sale, leveraging attractive financing terms negotiated by the dealership. Time and again, dealerships and automakers provide various financing options for customers, whether at low interest rates or through offers where customers don't have to pay a downpayment.

In 2023, With the launch of its new 84-month auto loan option, Tesla is offering its American clients up to seven years of financing for purchasing a new vehicle. The change extends Tesla's previously offered finance options by one year. Due in large part to rising interest rates, Tesla has expanded its financing options to include a 96-month loan in Canada in addition to the 84-month option available in the United States.

Regional Analysis of Global Automotive Finance Market

Global automotive finance market is a resilient market with demand from every part of the globe. As of now China, the United States, and Europe are the largest automotive markets in the world, more automobiles with the requirement of automotive insurance has been increasing. More automobiles will be sold in developing countries such as India, China, Brazil, Indonesia, and South Africa, creating the opportunities in the global automotive finance market.

The rising middle-class populations, urbanization, and increasing disposable incomes drive demand for vehicles in the developing world. Macroeconomic factors impact automotive sales and financing trends, including GDP growth, employment rates, and consumer confidence. Economic stability and growth contribute to increased vehicle purchases and financing activity. These factors align perfectly with the developing economies, witnessing the growth potential in Asia, South America, and Africa, for which more automotive finance companies will enter the markets.

India maintained its position as the third-largest country in the world automobile market for the second year in a row in 2023 with new car sales of 5,079,985 units, up by 7% from the previous year.

Future Market Scenario (2024 - 2031F)

The ongoing developments in the automotive industry will have an impact on the global automotive finance market. The increasing adoption of electric vehicles (EVs) and autonomous vehicles (AVs) will reshape automotive finance. Finance providers will develop specialized financing options tailored to EVs, including incentives for green vehicles and partnerships with charging infrastructure providers.

Digitalization will accelerate in the automotive finance sector, with a focus on enhancing customer experience, streamlining processes, and leveraging data analytics. Digital platforms and mobile apps will enable seamless loan applications, real-time approvals, and personalized financing offers, improving efficiency and accessibility for consumers.

In the foreseeable future, constant innovation in automobile financing options is certain. In recent times, automakers and financing companies have launched new financing models, such as zero downpayment and longer loan periods. The market will witness more financing models that will make automobiles more accessible and desirable.

Key Players Landscape and Outlook

The outlook for global automotive finance market is highly positive; it is expected to grow and expand in the forecasted years. As long as the automotive industry grows, the global automotive finance market will certainly grow. Changing customer behavior, technological advancements, and sustainability will drive the financing market.

Rising automobile prices and attractive financing options put the automotive finance market in the bright spot, as these factors will be supported by constantly growing automobile sales. Emerging economies of Asia, such as India, China, Vietnam, Indonesia, and the Philippines, and of South America, such as Brazil, will contribute more to the global automotive finance market due to growing middle-class populations and rising disposable incomes. In the forecast years, digitalization will further shape the customer experience.

Table of Contents

1.Research Methodology

2.Project Scope and Definitions

3.Executive Summary

4.Voice of Customer

  • 4.1.Demographics (Age/Cohort Analysis - Baby Boomers and Gen X, Millennials, Gen Z; Gender; Income - Low, Mid, and High; Geography; Nationality; etc.)
  • 4.2.Market Awareness and Product Information
  • 4.3.Brand Awareness and Loyalty
  • 4.4.Factors Considered in Purchase Decision
    • 4.4.1.Interest Rate
    • 4.4.2.Institute Reputation
    • 4.4.3.Financial Flexibility
    • 4.4.4.Loan Sanction Period
    • 4.4.5.Credit Score
    • 4.4.6.Down Payment
    • 4.4.7.Processing Fee
  • 4.5.Purpose of Purchase
  • 4.6.Medium of Purchase
  • 4.7.Frequency of Purchase
  • 4.8.Recommendations from friends/family
  • 4.9.Role of Brand Ambassador or Influencer Marketing on Product/Brand Absorption.

5.Global Automotive Finance Market Outlook, 2017-2031F

  • 5.1.Market Size & Forecast
    • 5.1.1.By Value
  • 5.2.By Provider Type
    • 5.2.1.Banks
    • 5.2.2.NBFCs
    • 5.2.3.OEMs
    • 5.2.4.Others
  • 5.3.By Vehicle Type
    • 5.3.1.Passenger Vehicle
    • 5.3.2.Commercial Vehicle
  • 5.4.By Vehicle Condition
    • 5.4.1.New Vehicle
    • 5.4.2.Old/Used
  • 5.5.By Purpose Type
    • 5.5.1.Loan
    • 5.5.2.Lease
    • 5.5.3.Others
  • 5.6.By Finance Type
    • 5.6.1.Direct
    • 5.6.2.Indirect
  • 5.7.By Region
    • 5.7.1.North America
    • 5.7.2.Europe
    • 5.7.3.South America
    • 5.7.4.Asia-Pacific
    • 5.7.5.Middle East and Africa
  • 5.8.By Company Market Share (%), 2023

6.Global Automotive Finance Market Outlook, By Region, 2017-2031F

  • 6.1.North America*
    • 6.1.1.Market Size & Forecast
      • 6.1.1.1.By Value
    • 6.1.2.By Provider Type
      • 6.1.2.1.Banks
      • 6.1.2.2.NBFCs
      • 6.1.2.3.OEMs
      • 6.1.2.4.Others
    • 6.1.3.By Vehicle Type
      • 6.1.3.1.Passenger Vehicle
      • 6.1.3.2.Commercial Vehicle
    • 6.1.4.By Vehicle Condition
      • 6.1.4.1.New Vehicle
      • 6.1.4.2.Old/Used
    • 6.1.5.By Purpose Type
      • 6.1.5.1.Loan
      • 6.1.5.2.Lease
      • 6.1.5.3.Others
    • 6.1.6.By Finance Type
      • 6.1.6.1.Direct
      • 6.1.6.2.Indirect
    • 6.1.7.United States*
      • 6.1.7.1.Market Size & Forecast
        • 6.1.7.1.1.By Value
      • 6.1.7.2.By Provider Type
        • 6.1.7.2.1.Banks
        • 6.1.7.2.2.NBFCs
        • 6.1.7.2.3.OEMs
        • 6.1.7.2.4.Others
      • 6.1.7.3.By Vehicle Type
        • 6.1.7.3.1.Passenger Vehicle
        • 6.1.7.3.2.Commercial Vehicle
      • 6.1.7.4.By Vehicle Condition
        • 6.1.7.4.1.New Vehicle
        • 6.1.7.4.2.Old/Used
      • 6.1.7.5.By Purpose Type
        • 6.1.7.5.1.Loan
        • 6.1.7.5.2.Lease
        • 6.1.7.5.3.Others
      • 6.1.7.6.By Finance Type
        • 6.1.7.6.1.Direct
        • 6.1.7.6.2.Indirect
    • 6.1.8.Canada
    • 6.1.9.Mexico

All segments will be provided for all regions and countries covered

  • 6.2.Europe
    • 6.2.1.Germany
    • 6.2.2.France
    • 6.2.3.Italy
    • 6.2.4.United Kingdom
    • 6.2.5.Russia
    • 6.2.6.Netherlands
    • 6.2.7.Spain
    • 6.2.8.Turkey
    • 6.2.9.Poland
  • 6.3.South America
    • 6.3.1.Brazil
    • 6.3.2.Argentina
  • 6.4.Asia Pacific
    • 6.4.1.India
    • 6.4.2.China
    • 6.4.3.Japan
    • 6.4.4.Australia
    • 6.4.5.Vietnam
    • 6.4.6.South Korea
    • 6.4.7.Indonesia
    • 6.4.8.Philippines
  • 6.5.Middle East and Africa
    • 6.5.1.UAE
    • 6.5.2.Saudi Arabia
    • 6.5.3.South Africa

7.Market Mapping, 2023

  • 7.1.By Provider Type
  • 7.2.By Vehicle Type
  • 7.3.By Vehicle Condition
  • 7.4.By Purpose Type
  • 7.5.By Finance Type
  • 7.6.By Region

8.Macro Environment and Industry Structure

  • 8.1.Supply Demand Analysis
  • 8.2.Import Export Analysis (If Applicable)
  • 8.3.Value Chain Analysis
  • 8.4.PESTEL Analysis
    • 8.4.1.Political Factors
    • 8.4.2.Economic System
    • 8.4.3.Social Implications
    • 8.4.4.Technological Advancements
    • 8.4.5.Environmental Impacts
    • 8.4.6.Legal Compliances and Regulatory Policies (Statutory Bodies Included)
  • 8.5.Porter's Five Forces Analysis
    • 8.5.1.Supplier Power
    • 8.5.2.Buyer Power
    • 8.5.3.Substitution Threat
    • 8.5.4.Threat from New Entrant
    • 8.5.5.Competitive Rivalry

9.Market Dynamics

  • 9.1.Growth Drivers
  • 9.2.Growth Inhibitors (Challenges and Restraints)

10.Key Players Landscape

  • 10.1.Competition Matrix of Top Five Market Leaders
  • 10.2.Market Revenue Analysis of Top Five Market Leaders (in %, 2023)
  • 10.3.Mergers and Acquisitions/Joint Ventures (If Applicable)
  • 10.4.SWOT Analysis (For Five Market Players)
  • 10.5.Patent Analysis (If Applicable)

11.Pricing Analysis

12.Case Studies

13.Key Players Outlook

  • 13.1.Ally Financial Inc.
    • 13.1.1.Company Details
    • 13.1.2.Key Management Personnel
    • 13.1.3.Products and Services
    • 13.1.4.Financials (As reported)
    • 13.1.5.Key Market Focus and Geographical Presence
    • 13.1.6.Recent Developments
  • 13.2.Bank of America Corporation
  • 13.3.JPMorgan Chase & Co.
  • 13.4.Toyota Financial Services
  • 13.5.Ford Motor Credit Company LLC
  • 13.6.General Motors Financial Company, Inc.
  • 13.7.Capital One Financial Corporation
  • 13.8.Daimler Truck Financial Services USA LLC
  • 13.9.General Motors Financial Company, Inc.
  • 13.10.Volkswagen Finance Private Limited

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work

14.Strategic Recommendations

15.About Us and Disclaimer

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