戴姆勒旗下的高端品牌Denza可能将于明年在欧洲推出自己的汽车金融服务业务，这可能是对宝马（BMW AG）和梅赛德斯-奔驰集团（Mercedes-Benz Group AG）等高端品牌构成挑战的重要举措。
Co.’s premium Denza brand may set up its own car financing operation in Europe as soon as next year, potentially a big step to challenge premium brands like BMW AG and Mercedes-Benz Group AG.
通过设立自己的金融服务部门，Denza将能够为其车型（例如售价为14.2万欧元（约合158,810美元）的Z9GT运动型旅行车）提供更具竞争力的融资和租赁服务。在欧洲，租赁和融资业务占据了高端汽车销售的主要份额，因此具有竞争力的月付款额对于吸引客户至关重要。
Setting up its own financial services unit would enable Denza to make more competitive financing and leasing offers on models like its €142,000 ($158,810) Z9GT sports wagon. Leasing and financing arrangements account for the majority of premium-car sales in Europe, making competitive monthly payments crucial in winning customers.
Denza于今年4月在欧洲开始销售。由于该品牌在欧洲的运营时间较短，银行等金融机构缺乏足够的数据来评估其汽车在48个月租赁期结束时的价值；汽车的使用价值是计算月付款额的基础。
Denza started sales in Europe in April. This limited local history means Chinese brands like it don’t have much evidence for lenders to judge what their cars will be worth at the end of a typical 48-month leasing contract. The used-car value forms the basis to calculate monthly rates.
据比亚迪在欧洲的特别顾问Alfredo Altavilla表示，一些机构对Denza汽车残值的预测令人鼓舞——有些预测结果甚至超过了竞争对手车型的残值。这位前菲亚特高管在巴黎车展上表示，Denza可能会加快推进其自有金融服务业务的计划。
Early feedback from companies that forecast residual values for Denza are encouraging, according to Alfredo Altavilla, BYD’s special adviser for Europe. Some estimates are even exceeding those of rival models, and Denza may accelerate plans for some form of captive-finance business next year, the former Fiat executive said during the Paris car show.
在德国，Denza Z9GT的月租赁费用为899欧元，私人买家需支付16,900欧元的首付款；相比之下，根据公司官网信息，奥迪A6 Avant e-tron的月租赁费用仅为619欧元，且无需支付首付。
Denza’s Z9GT is available for a monthly €899 leasing rate and upfront payment of €16,900 for private buyers in Germany. This far exceeds the Audi A6 Avant e-tron, available for €619 a month and no down payment, according to company websites.
比亚迪在巴黎车展上以一场包含芭蕾舞表演的盛大活动正式推出了Denza品牌，目前该品牌在欧洲主要依赖第三方服务提供商（如Ayvens SA）以及英国的专业租赁平台来提供金融服务。
BYD, which launched its Denza brand in Paris with a lavish event featuring ballet dancers, currently uses third-party providers, including Ayvens SA in continental Europe and specialist leasing platforms in the UK.
阿尔塔维拉表示，该品牌已向经销商承诺：将避免突然降价，因为这种做法会损害已在市场上销售的汽车的价值。他在巴黎车展期间对彭博新闻表示：“我们不会不惜任何代价去追求销量；我们希望吸引合适的客户，而稳定的价格是实现这一目标的关键。”今年，中国汽车制造商在欧洲的市场销量大幅增长，不过主要的销售产品都是面向大众市场的车型，例如上汽集团的MG ZS紧凑型SUV或奇瑞汽车的Jaecoo 7中型SUV。
Altavilla said the brand has promised dealers it’ll avoid abrupt price cuts that can undermine the value of cars already on the road. “We are not chasing volume at any cost,” he told Bloomberg News on the sidelines of the Paris car show. “We want to chase the right customer. And to do that, stable pricing is crucial.”Chinese carmaker sales have surged in Europe this year, though deliveries have centered on mass-market models like SAIC Motor’s MG ZS compact SUV or Chery Automobile Co.’s mid-range Jaecoo 7 SUV.
如果中国汽车品牌试图进入欧洲的高端市场，那么像丰田Denza这样的品牌将不得不与一些根基深厚的汽车品牌展开长期竞争。作为全球最畅销的高端汽车品牌，宝马和奥迪的优势不仅体现在其卓越的工程技术与品牌影响力上，还体现在其庞大的经销商网络、专属的金融服务体系，以及多年积累的二手车交易数据上——这些因素使得它们的租赁服务更具竞争力。
Taking on the premium segment in Europe would set up the likes of Denza for an extended battle with some of the most entrenched car brands. The advantage of BMW, the world’s top-selling premium marque, or Audi extends beyond engineering and prestige to vast dealer networks, captive-finance arms and decades of resale data that help keep lease payments competitive.
其他进入欧洲高端市场的中国汽车品牌还包括与大众汽车集团合作的Xpeng汽车公司、Li Auto公司，以及吉利汽车的Zeekr品牌。
Other Chinese premium entrants in Europe include Volkswagen AG partner Xpeng Inc., Li Auto Inc and Geely’s Zeekr brand.