SHANGHAI -- China may be the world's biggest car market, yet most dealerships here are losing money. Only 44 percent of the dealers in China were profitable in 2015, according to J.D. Power, a market research firm. That's because Chinese dealerships rely heavily on new-car sales -- rather than used cars, consumer finance or repairs -- to make a profit. Now, new-car deliveries are slowing and China's auto market is still too young to support robust sales of used cars. But every cloud has a silver lining. Consumer loans, still a fledgling business, have grown fast in recent years and are starting to generate sizable profits for dealers. Pictured: Yang Jian is managing editor of Automotive News China.