Ally Financial Inc. (ALLY)

業務介紹

艾利金融公司(Ally Financial Inc.)是一家數位金融服務公司,主要在美國和加拿大為消費者、商業和企業客戶提供各種數位金融產品和服務。它的業務分為四個部門:汽車金融業務、保險業務、抵押貸款業務和企業金融業務。

汽車金融業務部門提供汽車融資服務,包括提供零售分期銷售合約、貸款和營運租賃、向經銷商提供定期貸款、為經銷商提供經銷商庫存融資和其他信用額度,以及向汽車零售商提供倉儲信貸額度和車隊融資。它還為公司和市政當局提供購買或租賃車輛的融資服務,以及車輛remarketing服務。

保險業務部門通過汽車經銷商渠道提供消費者金融保護和保險產品,並直接向經銷商提供商業保險產品。該部門提供車輛服務和維修合約,以及擔保資產保護產品;並承保主要保護經銷商車輛存貨的商業保險。

抵押貸款業務部門管理消費者抵押貸款組合,包括大量購買第三方發起的jumbo和低到中等收入抵押貸款,以及直接面向消費者的抵押貸款業務。

企業金融業務部門為中型公司提供高級有擔保的槓桿現金流和資產抵押貸款,以及槓桿貸款和商業房地產產品,以服務於醫療行業的公司。

該公司還提供商業銀行產品和服務,以及證券經紀和投資諮詢服務。該公司曾名為GMAC Inc.,於2010年5月更名為Ally Financial Inc.。該公司成立於1919年,總部位於密歇根州底特律。



Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.

公司網址

https://www.ally.com