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原文传递 The impact of FCA rule changes on independents

题名：	The impact of FCA rule changes on independents
正文语种：	eng
作者：	ALEX WRIGHT
摘要：	Independent used car dealerships and supermarkets have been best positioned to adapt to the Financial Conduct Authority (FCA) rule banning discretionary commission models that was brought into force last January. The FCA said the ban, which prevents brokers being rewarded for charging consumers higher interest rates, will save car buyers £165 million per year, eliminate conflicts of interest, increase competition and protect consumers. Because independent retailers can adjust their interest rates more easily than franchised dealers who often prioritise captive finance houses with fixed rates, that has enabled them to remain profitable while complying with the new regulations. Reflecting this, independent dealers and lenders both report that finance volumes have held up well since the changes came into effect on January 28, 2021. Consumers have also benefited from the new model which is simpler and more transparent, as the cost of credit has reduced, finance penetrations have increased and customer satisfaction index scores have been maintained at consistently high levels.
出版年：	2022
期刊名称：	Automotive Management
期：	Jan.
页码：	29,34