Recently, the General Administration of Customs data released by the China Association of Automobile Manufacturers showed that from January to December 2024, the cumulative import and export total of automobile goods in China was 302.82 billion US dollars, a year-on-year increase of 5.5%. Among them, the import amount was 69 billion US dollars, a year-on-year decrease of 11.3%; The export amount was 233.82 billion US dollars, a year-on-year increase of 11.7%.

Industry insiders believe that second-hand car exports are becoming a new force in China's automobile exports and will play a key role in promoting the optimization of the domestic automobile industry structure.

As early as 2019, China launched a pilot program for the export of second-hand cars. In February 2024, the Ministry of Commerce and five other departments issued a notice on matters related to the export of second-hand cars, which clearly stated that the export of second-hand cars would be expanded nationwide from March 1, 2024. This adjustment has opened up broader development space for second-hand car export enterprises, promoting the expansion of industry entities and the release of potential. At the same time, policy support has provided opportunities for many small and medium-sized enterprises to participate in the export of second-hand cars, further promoting the overall growth of automobile export scale.

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. Liu Yanjun said, "The situation we often face in foreign trade collection is that due to the shortage of local US dollars, many African buyers will tell us when they need to make payment that they cannot exchange US dollars in the near future, but there is a 'way' to directly pay to our domestic bank card. Once this operation is carried out, we will face the situation of card freezing, which is very risky

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. Traditional financial institutions mainly serve large multinational corporations, and their anti money laundering risk control models are also developed for 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 example, ZMEV LIMITED attempted to receive payments using the local African account provided by XTransfer. Buyers can directly pay in local currency without intermediary fees, and the payment can be received on the same day. We have solved long-standing problems in the past, and business in the African market has become increasingly smooth, "said Liu Yanjun.

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】

近日，中国汽车工业协会公布的海关总署数据显示，2024年1~12月，全国汽车商品累计进出口总额为3028.2亿美元，同比增长5.5%。其中进口金额690亿美元，同比下降11.3%；出口金额2338.2亿美元，同比增长11.7%。

有业内人士认为，二手车出口正成为中国汽车出口的新力量，并将在推动国内汽车产业结构优化中发挥关键作用。

早在2019年，我国就开展二手车出口业务试点工作。2024年2月，商务部等5部门发布的《关于二手车出口有关事项的公告》，明确于2024年3月1日起将二手车出口业务扩大至全国范围。这一调整为二手车出口企业开辟了更广阔的发展空间，推动了行业主体扩容和潜力释放。同时，政策的支持也为众多中小微企业提供了参与二手车出口的机会，进一步促进了整体汽车出口规模的增长。

赞美汽车有限公司是一家专注于出海的新能源汽车品牌，整车、零部件出口是赞美汽车的主要业务之一，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。刘彦君表示：“我们在外贸收款方面常常面临的情况是，由于当地美元短缺，很多非洲买家都会在要付款的时候告诉我们，近期实在兑不出美元，但有‘办法’可以直接付款到我们国内银行卡，而一旦这样操作，我们便面临着冻卡的局面，风险非常高。”

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。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为此类企业制定的。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。

例如，赞美汽车尝试借助XTransfer提供的非洲本地账户进行收款。买家可以直接付当地币种，没有中间行手续费，而且当天就能到账。“我们解决了过去长期存在的难题，非洲市场的生意也越来越顺了。”刘彦君说。

“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：中国经济导报