Chinese households are rapidly warming to the idea of borrowing money to buy a car, as automakers push financing deals to boost sales and margins¹.

随着汽车厂商力推融资交易来提升销量和利润，中国家庭正在迅速接受贷款买车的想法。

Nearly 30% of Chinese car buyers bought their vehicles on credit last year, up from 18% in 2013, according to analysts² from Sanford C. Bernstein and Deloitte, helping³ a rebound⁴ in the car market at the end of 2015 after a sticky year.

桑福德伯恩斯坦公司和德勤事务所的分析师称，去年近30%的中国汽车买家贷款购车，较2013年的18%有所提升，帮助推动2015年表现低迷的汽车市场在年末实现反弹。

That is welcome news to China's government, which wants consumers to borrow and spend more to shift its slowing economy away from heavy industry and investment-led growth.

这对于中国政府而言是好消息。中国政府希望消费者借贷和增加支出，使经济增长从重工业主导转型为投资带动。

Beijing resident Wang Danian said he planned to buy his first car on credit, saying it was the smart move.

北京居民王大念表示，他计划贷款购买第一辆车，并称这样做是聪明之举。

"I can use my cash to do other things," the 28-year-old said while looking at an FAW Besturn X80 sport utility vehicle. "If I use all my savings⁵ at once to buy a car, and then something happens, I can't manage the risk."

这位28岁的居民关注一汽奔腾X80运动型多功能车(SUV)现金可以拿出来做其他用，他表示：“如果把存款全部用在整车消费上，万一发生什么事，抵御风险能力就没有那么高了。”

Six consumers interviewed by Reuters said they would all consider loans, lured⁶ by low-fee and interest-free deals, with half saying they'd prefer to buy on credit and save cash for other items.

路透采访的六名消费者全都表示，他们会考虑贷款，看好低费率和零息交易，其中半数表示，他们倾向于贷款买车，留着现金买其它东西。

That is still a far cry from the more than 80% of cars bought on loans in the US, but Deloitte predicts China will reach 50% by 2020.

我国30%的贷款购车比例与美国超过80%的比例仍相差甚远。但德勤预测，到2020年中国贷款买车比例将达到50%。

Global automakers have struggled to encourage this trend for some time; Volkswagen established its finance subsidiary in 2004, but was held back by strict regulations on underwriting loans and sources of funding.

全球车企想方设法鼓励这种趋势已有一段时日。大众汽车曾在2004年设立金融子公司，但却因承销贷款和资金来源方面的严格管制而受到限制。

As the government gradually relaxed those restrictions⁷ over the last seven or eight years, financed purchases have grown, with Daimler's Mercedes saying more than 30 percent of its cars in China are now bought on credit, and it reported 31 percent year-on-year growth in net lending as at the end of July.

随着中国当局在过去七八年逐步放松这方面的限制，融资购买已经出现了增长。戴姆勒旗下的奔驰称，目前在中国有逾30%的奔驰车是贷款购买的。该公司还报告称，截至7月底，净贷款同比增长了31%。