Leasing is an economic behavior of lending physical objects at a certain cost. The lessor gives some items owned by him to the lessee for use. The lessee obtains the right to use the goods for a period of time, but the ownership of the goods is still in the hands of the lessor.
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1, Jingu Xinsheng Finance Leasing Co., Ltd.
Jingu Xinsheng (Tianjin) Financial Leasing Co., Ltd., registered in the State Administration for Industry and Commerce, is committed to domestic commercial vehicle financial services with a registered capital of 200 million yuan. It is located in Tianjin Free Trade Zone. The company's business scope includes financial leasing business; Charter business; Purchase leased property from home and abroad; Disposal and maintenance of the surplus value of the leased property; Rental consultation.
The company was established by Chang 'an Xinsheng (Shenzhen) * * * with financial investment Co., Ltd. and Jiasheng International Group Co., Ltd., adhering to the corporate philosophy of "professionalism, efficiency, pragmatism and innovation", based on Beijing-Tianjin-Hebei, facing the whole country, relying on outstanding advantages in capital, risk modeling and financial technology, focusing on auto finance, electronic information, industrial equipment and other industries, and providing customers with comprehensive financial solutions with financial leasing as the core.
2. corporate vision
The company's vision and goal is to "become the most innovative financial leasing service provider in China", seize the historical opportunity of financial reform and industrial innovation, build an elite team, deepen the professional model, and create sustained, stable and safe value returns for partners, shareholders and employees with professional and sincere services.
3. Is the loan directly deducted from the card?
When users apply for loans, they usually need to bind a card as a collection bank card. At the same time, the card will also be used as a repayment bank card for repayment, so the loan will be directly deducted from the card for repayment. After the user's loan is paid off, the withholding agreement is automatically cancelled. Before the debt is paid off, even if the bank card is untied, the withholding agreement cannot be cancelled.
4. How to calculate the loan interest?
Loan interest refers to the reward that the lender gets from the borrower for issuing monetary funds, and it is also the price that the borrower must pay for using the funds. There is a formula for calculating loan interest. Interest = principal * interest rate * loan term.
5. Five-level classification of loans
According to the degree of risk, loans are divided into five categories: normal, concerned, secondary, suspicious and loss, and the last three categories are non-performing loans.