1 What exactly is "financial service fee"
According to the investigation of Xi 'an tax department, "financial service fee" is the service fee generated by consumers signing an agreement with a third party in 4S stores. The owner of the car is mainly a bank loan, which has a period of time and process. The third-party service (company) should guarantee the 4S shop for the owner, and the resulting expenses are commonly known as "financial service fees".
According to the information held by the tax authorities, the owner paid the money (3% of the loan amount) to a third party. After the third party receives the service fee, it will pay part of the fee (about two thirds) to the 4S store, which will issue an invoice to the service unit and declare and pay the tax.
2 is the financial service fee legal?
The commercial department is the competent authority of automobile sales enterprises. According to media reports, the Xi Municipal Bureau of Commerce, where the incident occurred, expressed the following doubts about the legality of charging "financial service fees" for 4S shops:
Including whether the financial service fee should be collected, the CBRC also instructed the Beijing Local Financial Supervision Bureau to investigate. As for whether the financial service fee is arbitrary charges, it needs to be defined by the relevant departments, and the business departments cannot be qualitative. "Mercedes-Benz Auto Finance Company has been asked to investigate whether its dealers across the country have similar illegal charging behaviors, and further strengthen the management of dealers, requiring dealers not to charge fees in the name of providing financial services to auto finance companies to effectively protect the legitimate rights and interests of consumers.
It is not illegal for car dealers to collect service fees: car dealers provide assistance in handling loan services, which is the key to financial services of commercial banks; Automobile dealers serve customers based on resources and costs, and it is reasonable, reasonable and legal to charge service fees; Automobile dealers should collect service fees in an open and transparent manner, with reasonable proportion, standardized procedures and tax payment according to law; Manufacturers should deal with customer complaints in a timely manner, and product responsibility and service responsibility should be clearly distinguished.
Ensure consumers' right to know.
First, consumers cannot be forced to choose the loan method. Whether the payment method is full or loan, consumers have the choice. In the case of Xi 'an Mercedes-Benz female car owners' rights protection, 4S stores have induced and forced consumers to choose loans to buy cars, thus charging so-called financial service fees, which is definitely not allowed;
The second is to clearly inform consumers in advance how much financial service fees need to be charged, that is, to inform consumers that they can borrow money to buy a car or buy a car in full for consumers to choose from, and to inform them of the charging standard of financial service fees.