The shortage of bank funds has caused many speculations, although relevant banks and bankers have repeatedly said that the shortage of funds belongs to market speculation and does not affect related businesses. However, the recent slowdown in the review of the car loan market has made everyone a little nervous. If the capital flow of banks continues to be tight, not only will automobile dealers and manufacturers face severe financial pressure, but in the long run, it is likely to affect the automobile market and have a greater negative impact on the recovered automobile market.

Some banks have quietly raised the threshold of auto loans, and the approval speed of auto loans has slowed down.

Commercial banks in many places have slowed down the speed of car loans, and the whole audit process is more stringent. According to the Financial Services Specialist of Beijing Audi 4S Store, the store's financial car purchase plan is to cooperate with a number of banks and auto finance companies. At present, many banks do not extend the review time when lending money, but are more strict in reviewing the qualifications of customers, especially credit card loan customers. According to Nanfang Daily, in Foshan, some commercial banks have stopped applying for car loan projects, and the restart time has not yet been determined. In addition, the installment business managers of some state-owned banks in Wuhan said that at present, in order to obtain the approval of auto loans, users need to provide more than double the real estate documents to apply successfully.

Or influence the future automobile market consumption experts: influence the first-tier central cities.

According to relevant data, the car loan market in first-tier cities is relatively mature at present, and most families are willing to choose the way of car loan to get their own entry-level cars. However, in the current slowdown of the car loan market, first-tier central cities bear the brunt. Perhaps more and more families who want car loans have to take money from the financial provident fund and housing provident fund. Gao Shanwen, chief economist of Essence Securities, said recently that the recent shortage of bank funds will trigger three shock waves: the first wave is the extreme shortage of inter-bank funds, the second wave is the impact on the shadow banking system, and the third wave is the impact on the real economy. The credit crunch accelerated the decline of the weak economy.

If the currency panic continues, the real economy is likely to accelerate its decline, which will directly affect consumers' spending power and have a negative impact on the automobile market. However, Mayor Ma, Deputy Secretary-General of china automobile dealers association, said recently that at present, the proportion of car purchases using loans is only between 10% and 15%, so the impact of tightening car loans on the overall market will not be too great.

Million car purchase subsidy