中國消費者越來越青睞貸款購車

Chinese households are rapidly warming to the idea of borrowing money to buy a car, as automakers push financing deals to boost sales and margins.

隨着汽車廠商力推融資交易來提升銷量和利潤，中國家庭正在迅速接受貸款買車的想法。

Nearly 30% of Chinese car buyers bought their vehicles on credit last year, up from 18% in 2013, according to analysts from Sanford C. Bernstein and Deloitte, helping a rebound in the car market at the end of 2015 after a sticky year.

桑福德伯恩斯坦公司和德勤事務所的分析師稱，去年近30%的中國汽車買家貸款購車，較2013年的18%有所提升，幫助推動2015年表現低迷的汽車市場在年末實現反彈。

That is welcome news to China's government, which wants consumers to borrow and spend more to shift its slowing economy away from heavy industry and investment-led growth.

這對於中國政府而言是好消息。中國政府希望消費者借貸和增加支出，使經濟增長從重工業主導轉型爲投資帶動。

Beijing resident Wang Danian said he planned to buy his first car on credit, saying it was the smart move.

北京居民王大念表示，他計劃貸款購買第一輛車，並稱這樣做是聰明之舉。

"I can use my cash to do other things," the 28-year-old said while looking at an FAW Besturn X80 sport utility vehicle. "If I use all my savings at once to buy a car, and then something happens, I can't manage the risk."

這位28歲的居民關注一汽奔騰X80運動型多功能車(SUV)現金可以拿出來做其他用，他表示：“如果把存款全部用在整車消費上，萬一發生什麼事，抵禦風險能力就沒有那麼高了。”

Six consumers interviewed by Reuters said they would all consider loans, lured by low-fee and interest-free deals, with half saying they'd prefer to buy on credit and save cash for other items.

路透採訪的六名消費者全都表示，他們會考慮貸款，看好低費率和零息交易，其中半數表示，他們傾向於貸款買車，留着現金買其它東西。

That is still a far cry from the more than 80% of cars bought on loans in the US, but Deloitte predicts China will reach 50% by 2020.

我國30%的貸款購車比例與美國超過80%的比例仍相差甚遠。但德勤預測，到2020年中國貸款買車比例將達到50%。

Global automakers have struggled to encourage this trend for some time; Volkswagen established its finance subsidiary in 2004, but was held back by strict regulations on underwriting loans and sources of funding.

全球車企想方設法鼓勵這種趨勢已有一段時日。大衆汽車曾在2004年設立金融子公司，但卻因承銷貸款和資金來源方面的嚴格管制而受到限制。

As the government gradually relaxed those restrictions over the last seven or eight years, financed purchases have grown, with Daimler's Mercedes saying more than 30 percent of its cars in China are now bought on credit, and it reported 31 percent year-on-year growth in net lending as at the end of July.

隨着中國當局在過去七八年逐步放鬆這方面的限制，融資購買已經出現了增長。戴姆勒旗下的奔馳稱，目前在中國有逾30%的奔馳車是貸款購買的。該公司還報告稱，截至7月底，淨貸款同比增長了31%。