text: “Sales finance is a core business in the auto world. Automotive financing supports car 
  
  sales and provides additional income, which translates into increased profit for the Group. 
  
  All Nissan finance companies operate under strict risk management control policies and 
  
  must balance the drive for profit with active sales support. 
  
  In Japan, about fifty percent of customers use cash when buying a car. Corporate 
  
  sales account for another 20 percent of the total, while the remaining 30 percent of 
  
  customers use automotive financing. Therefore, we focus on capturing that 30 percent 
  
  market, in addition to penetrating the cash customer segment. Nissan Financial Services, 
  
  NAOTOMO UCHIMURA 
  President 
  Nissan Financial Services 
  or NFS, has the highest level of market penetration in Japan, and our centralized 
  
  customer center gives us a clear advantage over other finance companies. 