尽管美国消费者正面临汽车债务压力，但大型汽车贷款机构尚未显现出明显的承压迹象。
作为全球最大的汽车金融公司之一，Ally Financial Inc.公布的数据显示，第一季度消费者汽车贷款逾期30天以上的比例从去年第四季度的4.24%降至3.69%。衡量贷款坏账情况的净冲销率同样呈现下降趋势。
包括摩根大通和第一资本在内的其他主要汽车贷款机构也报告了类似的贷款质量改善。特别值得注意的是，第一资本的汽车贷款30天逾期率下降超过一个百分点，达到4.21%的水平。
这些数据表明，大型贷款机构尚未受到借款人局部困境的冲击。目前部分消费者背负的汽车负资产规模持续扩大——即车辆贷款余额远超实际价值。与此同时，次级借款人汽车贷款违约比例仍徘徊在历史高位附近。
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.