In 2024, China's automobile industry will demonstrate strong development resilience and vitality, and high-quality development will be solidly promoted, becoming a "golden business card" to drive economic growth. The China Association of Automobile Manufacturers recently released data showing that in 2024, China exported 5.859 million vehicles, a year-on-year increase of 19.3%.

According to data, since China launched a pilot program for the export of second-hand cars in 2019, after nearly 6 years of experimentation and exploration, Chinese second-hand cars have been sold to more than 160 countries and regions worldwide. By 2023, the export volume has reached 275000 units, marking the beginning of scale. The Announcement on Relevant Matters Concerning the Export of Used Cars issued by the Ministry of Commerce and five other departments clarifies that the export of used cars will be expanded nationwide from March 1, 2024, opening a new window for the expansion of the main body and the release of potential for the export of used cars. Policy support has provided more opportunities for small and medium-sized enterprises to participate in the export of second-hand cars, further promoting the overall growth of automobile export scale.

Industry insiders predict that the export scale of second-hand cars in China will reach 400000 units by 2024. The export of second-hand cars will not only become a new force in China's automobile exports, but also a key anchor for optimizing the structure of the domestic automobile industry.

ZMEV Limited is a new energy vehicle brand focusing on going to sea. The export of complete vehicles and parts is one of ZMEV Limited's main businesses. Liu Yanjun, vice president of the company, said, "In the field of second-hand vehicle trade, we have established a mature international route for customs declaration and shipment of complete vehicles, forming stable routes such as' Shanghai Dubai, Guangzhou Djibouti, Qingdao Mombasa, Khorgos Almaty ', and at the same time laying out overseas warehouses such as Dubai and Ghana to further cultivate overseas. At present, we have formed trade cooperation with more than 40 overseas countries, and Africa is our important market."

While the second-hand car industry is accelerating its overseas expansion, export enterprises are facing many challenges in cross-border finance, including difficulties in receiving payments, high costs, and significant financial pressure. It is very difficult for us to receive payments due to the lack of secure and stable payment channels, resulting in low transaction efficiency. Many second-hand car transactions in overseas markets still use traditional cash remittance models, resulting in exchange losses and transaction fees becoming a large expense, which is likely to be passed on to our buyers. In addition, for small businesses, the payment period for second-hand car export transactions often lasts for more than 2 months, and as traders, we must advance funds, which puts great pressure on capital turnover, "said Li Miao, the head of a second-hand car export enterprise in Tianjin.

It is understood that enterprises engaged in the export of second-hand cars, especially small and medium-sized enterprises, have difficulty obtaining cross-border financial services provided by traditional financial institutions, and have long faced difficulties such as account opening, payment collection, and high costs. Due to the fact that traditional financial institutions mainly serve large multinational corporations, their anti money laundering risk control models are also developed by such enterprises. When facing small and medium-sized enterprises with relatively diverse transaction characteristics, how to efficiently and cost effectively obtain sufficient data and information, and accurately control risks has become an unresolved issue for traditional financial institutions.

To solve the above problems, XTransfer, a one-stop cross-border financial and risk control service company for foreign trade enterprises, has created an anti money laundering risk control infrastructure for small and medium-sized enterprises since its establishment. With the help of AI, big data technology and other efficient anti money laundering risk control audits, XTransfer cooperates with globally renowned financial institutions to provide convenient cross-border financial services for small and medium-sized foreign trade enterprises. Currently, over 600000 companies use XTransfer for cross-border trade settlement.

For the second-hand car export industry, we delve into business scenarios and rely on strong global financial cooperation and anti money laundering risk control capabilities to provide safe, compliant, efficient, and low-cost cross-border financial services, improve the efficiency of second-hand car export trade settlement, and alleviate the financial turnover pressure of trading enterprises, "said the relevant person in charge of XTransfer.

【中文】

2024年中国汽车产业展现出强大发展韧性和活力，高质量发展扎实推进，成为拉动经济增长的一张“金名片”。中汽协近日发布数据显示，2024年，我国出口汽车585.9万辆，同比增长19.3%。

资料显示，自我国于2019年开展二手车出口业务试点工作以来，经过近6年试点和探索，中国二手车已经销往全球160多个国家和地区，2023年出口量已经达到27.5万辆，初具规模。商务部等5部门发布的《关于二手车出口有关事项的公告》，明确2024年3月1日起将二手车出口业务扩大至全国范围，为二手车出口打开了主体扩容、潜力释放的新窗口。政策支持，为更多中小微企业提供了二手车出口的参与机会，进一步助推了整体汽车出口规模增长。

业内人士预计，2024年我国二手车出口规模将达40万辆。二手车出口业务不仅将成为中国汽车出口新生力量，也将成为国内汽车产业结构优化的关键锚点。

ZMEV LIMITED是一家专注于出海的新能源汽车品牌，整车、零部件出口是ZMEV LIMITED的主要业务之一，公司副总裁刘彦君表示，“在二手车贸易领域，我们已建立了成熟的整车报关和发运国际线路，形成了‘上海—迪拜、广州—吉布提、青岛—蒙巴萨、霍尔果斯—阿拉木图’等稳定线路，同时布局迪拜、加纳等海外仓，深耕海外。目前我们与海外40多个国家形成了贸易合作，非洲是我们的重要市场。”

二手车产业加速出海的同时，出口企业在跨境金融层面面临着诸多难题，包括收款难、成本高、资金压力大等问题。“我们收款非常难，由于缺乏安全稳定的支付渠道，交易效率很低。许多海外市场的二手车交易还在使用传统的现钞汇款模式，导致汇损和手续费成为一大笔支出，这笔成本也大概率会转嫁到我们买家身上。此外，对于小企业来说，二手车出口交易账期往往长达2个月以上，作为贸易商必须垫资，资金周转压力大。”天津一家从事二手车出口的企业负责人李淼说。

据了解，从事二手车出口的企业，尤其是中小微企业，难以获得传统金融机构提供的跨境金融服务，较长时间以来都面临开户难、收款难、成本高等难题。由于传统金融机构主要的服务对象是大型跨国集团企业，其反洗钱风控模型也是此类企业制定的。当面对体量较小、交易特征相对多变的中小微企业群体时，如何高效且低成本地获取足够数据和信息、精准控制风险成为传统金融机构的一项待解决课题。

为解决以上难题，一站式外贸企业跨境金融和风控服务公司XTransfer在成立之初就针对中小微企业打造了一套反洗钱风控基础设施，借助AI、大数据技术等高效地进行反洗钱风控审核，通过与全球知名金融机构合作，为中小微外贸企业提供便利化的跨境金融服务。目前，超过60万家企业通过XTransfer进行跨境贸易结算。

“针对二手车出口行业，我们深入业务场景，依托强大的全球金融合作关系和反洗钱风控能力，提供安全、合规、高效且低成本的跨境金融服务，提高二手车出口贸易结算效率，减轻贸易企业资金周转压力。”XTransfer相关负责人表示。

来源：经济日报新闻客户端