Originally, its business focus was not on loans, and it was still prone to problems. I suggest rationality!
Chebang is one of the early enterprises to match the information of vehicles and goods. Previously, it was mainly to connect supply and production capacity to form a production pool. However, after the car-goods matching model was cold, the company began to focus on the offline logistics park, trying to build logistics infrastructure, thus forming a data network and an offline network to provide financial services after trucks. The truck gang also tries to provide financial services from insurance to payment, bill collection, factoring, financial leasing, micro loans and so on for small and micro enterprises in the whole logistics industry.
Whether the car help loan is a formal loan depends on whether the establishment of the car help company conforms to the provisions of the Regulations on the Administration of Loan Companies.
Legal basis: Provisions on the Administration of Loan Companies
Article 8 The establishment of a loan company shall meet the following conditions: (1) Having articles of association that meet the requirements; (2) The registered capital is not less than RMB 500,000.00 Yuan, which is paid-in monetary capital, and shall be fully paid by the investor at one time; (3) Having senior managers with professional knowledge and professional work experience; (4) Having staff with corresponding professional knowledge and work experience; (5) Having the necessary organizational structure and management system; (6) Having business premises, safety precautions and other business-related facilities that meet the requirements; (7) Other conditions stipulated by China Banking Regulatory Commission.
Article 9 To establish a loan company, its investors shall meet the following conditions: (1) The investors are domestic commercial banks or rural cooperative banks; (2) Its assets are not less than 5 billion yuan; (3) Good corporate governance and sound and effective internal control; (four) the main prudential supervision indicators meet the regulatory requirements; (5) Other prudential conditions stipulated by the CBRC.
When the truck gang first entered the market, it claimed to be free for life. Later, the owner's membership system 1688 yuan, but the driver's fee was not charged; Now truck drivers don't have to pay, but! Well, it is very human. Now the truck gang has launched the express package, claiming that truck drivers who join the truck gang express 1000 yuan or more (I don't know the exact amount) will get the priority to grab the goods, and drivers who don't join the express will delay receiving the source information sent by the owner.