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They have been available in China since a pilot auto-financing programme was established by state-owned banks in China in May 1996.
In October 1998, the People??s Bank of China (PBOC) authorised the four largest state banks to undertake auto financing: The Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB), the Agricultural Bank of China (ABC) and the Bank of China (BoC) started schemes. Since 1999 they have been joined by other local commercial banks including the Shanghai Pudong Development Bank. However, under this plan, individual purchasers have to leave the full purchase price of a car on deposit in a bank while paying off the auto loan...
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