Where the lender engages in auto loan business in violation of the provisions of these measures, the People's Bank of China and its branches may suggest that the China Banking Regulatory Commission and its dispatched offices supervise, inspect and punish the lender engaged in auto loan business.

The sales consultant is willing to let the customer borrow money to buy a car because it can make more profits. If the customer buys a car in full, there is no other benefit except earning a part of the price difference.

From the buyer's point of view, although the loan to buy a car can alleviate some of their pressure, it is indeed more economical to buy a car in full.