节点：下游（终端消费/应用）位置：下游情绪：利好参考度：6/10


上半年，多数银行提高了车贷提前还款门槛。然而近期，部分银行出现放宽迹象。

财联社记者留意到，广发银行日前公告，后续新签订合同的个人汽车贷款提还违约金收取标准调整为：第1期还款日（含当日）至第12期还款日（不含当日）期间申请提前全部还款的，违约金比例为全部剩余本金的8%。而在今年4月，广发银行曾公告，借款人不得在第6期还款日(不含)前申请提前全部还款，此次直接取消了这一限制。

对于此番调整缘由，11月6日下午，财联社记者联系广发银行，但截至发稿未获回应。受访业内人士认为，或许是出于优化客户体验、增强市场竞争力考虑。

从最新三季报数据来看，监管喊停“高息高返”后，今年前三季度上市银行车贷业务仍保持高水平增长。如上海银行1 – 9月汽车消费贷款投放同比增长40.16%；平安银行9月末汽车金融贷款余额较上年末增长2.2% ，1 – 9月个人新能源汽车贷款新发放同比增长23.1%；浦发银行零售信贷绿色新能源汽车贷款（不含信用卡）余额较上年末增长83.81%。上海 ..

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