7年车贷狂飙 车企抢跑银行按兵不动

北京商报
Mar 05

2026年,车市最火的不是降价,而是7年超长期贷款的面世。从特斯拉打响第一枪,小米汽车迅速跟进,到理想、小鹏、蔚来、极氪、比亚迪、吉利等品牌密集上线84期方案,低首付、低月供、低费率轮番轰炸,把购车门槛压到极致。这场由车企主导的金融布局,本质是为了挖掘潜在消费群体、快速消化库存、缓解资金链压力。市场也一边倒地解读为“汽车金融新时代”来临,但一个被普遍忽略的关键事实则是,作为汽车金融市场真正的资金...

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