세계의 자동차 금융 시장 보고서(2025년)
Automotive Finance Global Market Report 2025
상품코드 : 1808121
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 250 Pages
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한글목차

자동차 금융 시장은 향후 수년간 강력한 성장이 예상됩니다. 2029년까지 연평균 성장률(CAGR) 8.7%로 4,357억 9,000만 달러로 성장할 전망입니다. 예측 기간의 성장은 유연한 자금 조달 옵션, 리스크 관리 전략, 고객 중심의 경험, 개별화된 자금 조달 솔루션 및 구독 기반 모델에 기인합니다. 예측 기간의 주요 동향에는 고객 경험 향상, 딜러와의 협력, 신용 액세스 개선, 대출 기간 연장, 규제 변경 등이 포함됩니다.

향후 5년간 예측되는 성장률 8.7%는 과거 예측에서 0.2% 감소하였습니다. 이러한 성장 감소는 주로 미국과 다른 국가 간의 관세의 영향 때문입니다. 인도나 영국에서 개발된 소프트웨어에 크게 의존하고 있는 신용 리스크 모델링 플랫폼이나 대출 관리 시스템의 라이선스료나 유지관리료가 높아지기 때문에 신용 대출 축소로 이어져 미국에 직접 영향을 미칠 가능성이 높습니다. 또한 상호 관세와 무역의 긴장과 한계 증가로 인한 세계 경제와 무역에 대한 악영향으로 인해 그 영향이 더욱 광범위해질 것으로 보입니다.

차량 가격 상승은 앞으로 수년간 자동차 금융 시장의 성장을 가속할 것으로 예측됩니다. 차량 가격은 자동차 제조업체가 자동차 설계, 생산 및 판매에 부과하는 금액을 의미합니다. 자동차 금융은 소비자가 자동차를 구입할 수 있게 하고, 종종 기타 방법으로는 살 수 없는 고가의 자동차를 구매하는 것을 가능하게 합니다. 예를 들어, 2022년 6월 콕스 오토모티브가 소유한 미국의 자동차 평가 및 정보원인 켈리 블루북의 데이터에 따르면 신차의 평균 거래 가격은 전년 대비 13.5% 상승하였으며 2021년 5월의 4만 1,534달러에서 2022년 5월에는 4만 7,148달러로 상승했습니다. 트럭의 평균 거래 가격은 5만 6,216달러로 888달러 상승했습니다. 밴은 726달러 상승하였으며 평균 거래가격은 4만 8,671달러였고, SUV는 526달러 상승하였으며 평균 거래가격은 4만 6,073달러였습니다. 따라서 차량 가격 상승은 자동차 금융 시장의 성장을 뒷받침하고 있습니다.

목차

제1장 주요 요약

제2장 시장 특징

제3장 시장 동향과 전략

제4장 시장 : 금리, 인플레이션, 지정학, 무역 전쟁과 관세, 그리고 코로나 및 회복이 시장에 미치는 영향을 포함한 거시 경제 시나리오

제5장 세계의 성장 분석과 전략 분석 프레임워크

제6장 시장 세분화

제7장 지역별/국가별 분석

제8장 아시아태평양 시장

제9장 중국 시장

제10장 인도 시장

제11장 일본 시장

제12장 호주 시장

제13장 인도네시아 시장

제14장 한국 시장

제15장 서유럽 시장

제16장 영국 시장

제17장 독일 시장

제18장 프랑스 시장

제19장 이탈리아 시장

제20장 스페인 시장

제21장 동유럽 시장

제22장 러시아 시장

제23장 북미 시장

제24장 미국 시장

제25장 캐나다 시장

제26장 남미 시장

제27장 브라질 시장

제28장 중동 시장

제29장 아프리카 시장

제30장 경쟁 구도와 기업 프로파일

제31장 기타 주요 기업 및 혁신 기업

제32장 세계 시장 경쟁 벤치마킹과 대시보드

제33장 주요 인수 합병(M&A)

제34장 최근 시장 동향

제35장 시장의 잠재력이 높은 국가, 부문, 전략

제36장 부록

CSM
영문 목차

영문목차

Automotive finance involves obtaining financial assistance to purchase a car, typically with a modest initial payment from the buyer. The borrower repays the lender's loan over a specified period through equal monthly installments, which include an agreed-upon interest rate.

The primary provider types in automotive finance include banks, Original Equipment Manufacturers (OEMs), and other entities. Banks typically provide the entire amount upfront, which the borrower then repays over time with added interest. Banks, in this context, refer to institutions authorized to lend money and manage deposits from checking and savings accounts. There are two main finance types including direct finance, where the borrower obtains financing directly from a financial institution, and indirect finance, where the financing is arranged through a third party, often facilitated by the dealership. Automotive finance is applicable to various vehicle types, including passenger vehicles, commercial vehicles, and other specialized vehicle types.

Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.

The sharp rise in U.S. tariffs and the ensuing trade tensions in spring 2025 are having a considerable impact on the financial sector, particularly in the areas of investment strategies and risk management. The increased tariffs have intensified market volatility, leading institutional investors to adopt more cautious approaches and driving greater demand for hedging solutions. Banks and asset managers are encountering higher costs in cross-border transactions as disrupted global supply chains and declining corporate earnings weigh on equity market performance. At the same time, insurance providers are facing elevated claims risks linked to supply chain interruptions and trade-related business losses. Furthermore, reduced consumer spending and weaker export demand are limiting credit growth and dampening investment appetite. In response to these challenges, the sector must focus on diversification, accelerate digital transformation, and strengthen scenario planning to manage the heightened economic uncertainty and safeguard profitability.

The automotive finance market research report is one of a series of new reports from The Business Research Company that provides automotive finance market statistics, including automotive finance industry global market size, regional shares, competitors with a automotive finance market share, detailed automotive finance market segments, market trends, and opportunities, and any further data you may need to thrive in the automotive finance industry. This automotive finance market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenario of the industry.

The automotive finance market size has grown strongly in recent years. It will grow from $290.06 billion in 2024 to $312.45 billion in 2025 at a compound annual growth rate (CAGR) of 7.7%. The growth in the historic period can be attributed to consumer demand, evolution of lending practices, introduction of leasing, low-interest rates, economic conditions.

The automotive finance market size is expected to see strong growth in the next few years. It will grow to $435.79 billion in 2029 at a compound annual growth rate (CAGR) of 8.7%. The growth in the forecast period can be attributed to flexible financing options, risk management strategies, customer-centric experience, personalized financing solutions, subscription-based models. Major trends in the forecast period include enhanced customer experience, collaborations with dealerships, credit accessibility improvements, extended loan terms, regulatory changes.

The forecast of 8.7% growth over the next five years reflects a slight reduction of 0.2% from the previous projection. This reduction is primarily due to the impact of tariffs between the US and other countries. This is likely to directly affect the US through tighter lending margins, as credit risk modeling platforms and loan management systems, heavily reliant on software developed in India and the UK, become more expensive to license and maintain. The effect will also be felt more widely due to reciprocal tariffs and the negative effect on the global economy and trade due to increased trade tensions and restrictions.

Rising vehicle prices are anticipated to fuel the growth of the automotive finance market in the coming years. Vehicle prices refer to the amount that a car manufacturer is willing to charge for designing, producing, and marketing a vehicle. Automotive financing allows consumers to purchase cars, often enabling them to acquire more expensive vehicles than they might otherwise afford. For example, in June 2022, data from Kelley Blue Book, a U.S.-based vehicle valuation and information source owned by Cox Automotive, indicated that average transaction prices for new vehicles rose by 13.5% year-over-year, increasing from $41,534 in May 2021 to $47,148 in May 2022. Trucks experienced the highest gain, with an average transaction price of $56,216, reflecting an increase of $888. Vans saw a $726 increase, bringing their average transaction price to $48,671, while SUVs recorded an increase of $526, resulting in an average price of $46,073. Thus, the rising vehicle prices are propelling the growth of the automotive finance market.

The increasing adoption of electric vehicles is expected to further enhance the growth of the automotive finance market in the future. An electric vehicle (EV) is defined as a vehicle that operates using an electric motor powered by a battery and can be charged externally. The rising consumer interest in electric vehicles is creating a greater demand for specialized financing solutions, offering financial institutions and lenders opportunities to develop tailored products that meet the specific needs of electric vehicle buyers. For instance, in 2024, a report from the International Energy Agency (IEA), a French governmental organization, indicated that electric car sales experienced a 35% increase in 2023 compared to 2022, with an additional 3.5 million units sold. Electric vehicles accounted for approximately 18% of total car sales in 2023, up from 14% the previous year. Therefore, the growing adoption of electric vehicles is driving the growth of the automotive finance market.

Technological advancements have emerged as a pivotal trend shaping the automotive finance landscape. Major companies within this market are concentrating on innovating new technologies to maintain their competitive edge. For instance, in September 2022, Kuwy, an India-based automotive fintech startup and subsidiary of Volkswagen Finance, introduced KUWY-LaaS, an AI-driven platform integrated with blockchain technology for online auto sales. This cutting-edge technology not only democratizes online auto transactions by ensuring complete transparency but also offers comprehensive information to aid sellers, buyers, and lenders in making well-informed decisions. KUWY-LaaS empowers customers to select financing options, choose lenders, and receive swift approvals through a fully paperless journey, exemplifying the technological advancements reshaping the automotive finance market.

Prominent players within the automotive finance market are spearheading the development of pioneering products by harnessing cutting-edge technologies, such as the RateSetter Technology, aiming to expand their customer reach, drive sales, and bolster market revenues. RateSetter Technology offers personalized and straightforward personal loans tailored to individual customers, providing instant online customized rates without affecting their credit score. An illustrative instance occurred in January 2023 when Metro Bank Plc., a UK-based retail banking company, introduced a digital car loan product branded under RateSetter. This unique digital loan product specializes in hire purchase loans specifically crafted for used cars, accessible through motor brokers leveraging advanced RateSetter technology. The distinguishing feature lies in RateSetter's technological prowess, enabling the generation of personalized loan quotes for each customer via an automated real-time decision-making process. This innovative approach streamlines the application process, granting eligible customers instant approvals and the ability to drive off with their purchased vehicle on the same day. Consequently, the entire process, including invoicing, unfolds as a seamlessly efficient end-to-end digital experience for both borrowers and brokers.

A significant development in May 2022 involved Protective Life Corporation, a US-based financial service holding company, acquiring AUL Corporation for an undisclosed sum. This strategic acquisition broadens Protective's portfolio, enabling the provision of enhanced solutions, expanding client protection, and accelerating growth within its Asset Protection Division. AUL Corporation, the US-based automotive finance and insurance provider acquired by Protective Life Corporation, complements Protective's offerings, contributing to a robust product lineup and reinforcing Protective's position within the automotive finance and insurance sectors.

Major companies operating in the automotive finance market are Ally Financial Inc., The Bank of America Corporation, Capital One Financial Corporation, Chase Auto Finance, Daimler Financial Services India Private Limited, Ford Motor Credit Company, General Motors Financial Company Inc., Hitachi Capital Corporation, Toyota Financial Services, Volkswagen Financial Services, BNP Paribas, HDFC Bank Limited, Standard Bank Group Ltd., Banco Bradesco SA, Wells Fargo & Co., HSBC Holdings PLC, Oodle Car Finance Services Limited, Lendbuzz Inc., OTO Capital, Bajaj Finance Limited, Three Wheels United, Moneybarn Limited, Yixin Group Limited, Caribou Financial Inc., Euler Motors, Nissan Infiniti Finance, Honda Motor Co. Ltd., American Express Company, MX Technologies Inc.

Europe was the largest region in the automotive finance market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the automotive finance market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.

The countries covered in the automotive finance market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The automotive finance market includes revenues earned by entities by providing financial services that are used in purchasing a vehicle, often one of higher value than would otherwise be possible. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

Automotive Finance Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.

This report focuses on automotive finance market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.

Reasons to Purchase

Where is the largest and fastest growing market for automotive finance ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The automotive finance market global report from the Business Research Company answers all these questions and many more.

The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.

The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.

Scope

Table of Contents

1. Executive Summary

2. Automotive Finance Market Characteristics

3. Automotive Finance Market Trends And Strategies

4. Automotive Finance Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, And Covid And Recovery On The Market

5. Global Automotive Finance Growth Analysis And Strategic Analysis Framework

6. Automotive Finance Market Segmentation

7. Automotive Finance Market Regional And Country Analysis

8. Asia-Pacific Automotive Finance Market

9. China Automotive Finance Market

10. India Automotive Finance Market

11. Japan Automotive Finance Market

12. Australia Automotive Finance Market

13. Indonesia Automotive Finance Market

14. South Korea Automotive Finance Market

15. Western Europe Automotive Finance Market

16. UK Automotive Finance Market

17. Germany Automotive Finance Market

18. France Automotive Finance Market

19. Italy Automotive Finance Market

20. Spain Automotive Finance Market

21. Eastern Europe Automotive Finance Market

22. Russia Automotive Finance Market

23. North America Automotive Finance Market

24. USA Automotive Finance Market

25. Canada Automotive Finance Market

26. South America Automotive Finance Market

27. Brazil Automotive Finance Market

28. Middle East Automotive Finance Market

29. Africa Automotive Finance Market

30. Automotive Finance Market Competitive Landscape And Company Profiles

31. Automotive Finance Market Other Major And Innovative Companies

32. Global Automotive Finance Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Automotive Finance Market

34. Recent Developments In The Automotive Finance Market

35. Automotive Finance Market High Potential Countries, Segments and Strategies

36. Appendix

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