20 14 was launched in March, and it is a professional automobile mortgage investment and financing platform under CIC Guotai. Through cooperation with domestic authoritative automobile trade groups, pawn shops, automobile service companies and automobile import ports, an independent risk control center is set up, equipped with a professional team to carry out strict risk control and pledge high-liquidity surplus goods. What other relevant knowledge do you know?
Auto financing introduction/auto financing
Cherong is a professional automobile mortgage investment and financing platform under China Investment Guotai (Beijing) Investment Management Co., Ltd. Cherong [2] is distributed in many cities across the country, and its offline business is carried out through operation centers in Ningbo, Tangshan, Chengdu, Chongqing and Shanghai and cooperative institutions in Tianjin, Suzhou, Jiaxing, Yantai and Shenzhen.
Ensure the security of creditor's rights through measures such as full collateral, repurchase by cooperative institutions and risk deposit.
Ensure legal security through professional legal documents and electronic contract system.
Ensure the security of personal privacy information through the core internet encryption technology.
Through the design of internet financial products, the convenience of investment process is ensured.
Ensure worry-free investment through a sound customer service system.
Corporate philosophy/auto financing
Create a safe income for every penny.
Take the sincere trust of every sum of money.
Corporate Advantage/Auto Financing
Wired downwind control industry gene
Have industry resources and deep connections.
Have a high-quality professional team.
Quadruple securities/auto financing
Physical mortgage
Compared with unsecured credit loans, physical mortgage is safer and more reliable.
Compared with other collateral, the automobile has the characteristics of sufficient amount, stable value, good liquidity and easy disposal.
Example: The car with the original price of 2 million yuan was mortgaged to the pawnshop, which valued it at 6,543.8+0,000 yuan according to depreciation, and lent money at a discount of 6-8%. For example, the loan is 750,000 yuan and the repayment period is 30 days. If the owner can't pay back the money due, the pawnshop can sell it at a price of not less than 750,000 yuan within 1 day (usually several hours).
Pawnshop guarantee
Choose an authoritative pawnshop to guarantee creditor's rights.
If the owner can't pay back the money, the cooperative pawnshop will buy back the creditor's rights within 3 days after the expiration, and the investor's principal and interest will not be lost.
Risk guarantee fund
The auto financing and cooperative pawnshop initiated the establishment of a risk protection fund. If the pawnshop can't buy back the creditor's rights on time, the risk deposit will be paid in advance on the fourth day of the maturity date of the creditor's rights.
legal protection
The first batch of Internet finance enterprises recognized by the Haidian District Government of Beijing have the franchise qualification for Internet financial information services. Law-abiding, in line with the Supreme People's Court's requirements for private lending.
About CIC Cathay Pacific:/Auto Financing
China Investment Guotai (Beijing) Investment Management Co., Ltd. was founded by an elite team engaged in government, finance, law and Internet industries for many years. It is a comprehensive financial service institution integrating finance, information and network services. It is the first batch of Internet finance enterprises recognized and supported by the Haidian District Government of Beijing. It enjoys preferential policies such as Beijing household registration index, financial subsidies, tax reduction and exemption, and has the qualification of franchising Internet financial information services.
Business model analysis/auto financing
Automobile financing as automobile mortgage, that is, physical mortgage, is the same as Tuteng loan and automobile loan remittance. Compared with unsecured credit loans, physical mortgage is safer and more reliable, and overdue or bad debts can be realized in time. Compared with real estate mortgage, vehicle mortgage has the characteristics of sufficient amount, good liquidity and easy handling.
It is understood that the large-scale commercial vehicle pawn business of pawn shops meets the financing needs of 4S shops. Through the understanding, investigation and analysis of the financing needs of 4S shops, a set of perfect automobile pawn mode suitable for the financing needs of large-scale commercial vehicles has been formulated. After the customer provides the list of materials, evaluates and signs the contract, the pawn ticket will be issued immediately, the materials will be put into storage, and the loan will be released within 24 hours at the earliest.
A pawnshop official revealed:? Two days ago, I just pawned a batch of commercial vehicles in a BYD brand 4S shop and borrowed 5 million yuan. ?
In order to ensure the normal sales of large commercial vehicles, some pawn shops also provide special services for 4S shops? Mobile parking garage? . Customers (car buyers) of 4S stores can choose cars in storage, which is convenient for the rapid sales of bulk commercial vehicles.
In addition, through the professional computer management system, pawn shops can record and handle the cost of each car at any time, thus reducing the financing cost of 4S stores. Batch commercial vehicles can return part of the pawn money regularly, and pawn shops also recalculate the pawn date of the rest to reduce the pressure on 4S stores. This not only meets the capital demand of large commercial vehicles, but also does not affect the sales of commercial vehicles.
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