At present, after experiencing explosive growth, the domestic Internet finance industry has attracted more and more attention in agriculture, energy, society, consumption, supply chain and other fields. As the main force of consumer finance, auto finance has caused constant discussion among giants such as BAT. Baidu has invested in companies such as Uber, Wuyi Automobile and Xinyou Used Car. In July last year, Ali Automobile Division launched "Second Car Loan" jointly with Ant Small Loan, and Tencent and JD.COM jointly invested 250 million US dollars in Yixin Capital, a car internet financial platform under Easy Car ... At the same time, many car loan platforms in the industry have also made a series of innovations in the service mode of car finance, among which the car financing lease mode initiated by e-Micro Loan has become a hot topic because it provides a more diversified development direction for car finance.
Different from the usual automobile consumption mortgage loan model, the automobile financing lease of e-micro loan is a brand-new business model of purchasing by rent, that is, first, the automobile consumer applies to Shenzhen Qianhai Taifeng Finance Leasing Co., Ltd. (hereinafter referred to as "Taifeng Leasing") which cooperates with e-micro loan, and after Taifeng Leasing examines its qualification, both parties sign a contract and pay the down payment, and then lease the selected vehicle to the user; During the contract period, the vehicle is registered under the name of Taifeng Lease, and the property right belongs to Taifeng Lease. Users only need to pay the monthly rent to enjoy the right to use the vehicle. After the expiration of the contract, Taifeng Leasing will transfer the vehicle to the user, and the property rights will eventually be owned by the user.
In the above process, Taifeng Leasing transferred the lease beneficial right of the leased car to the cooperative assets of the asset management company, and mismatched and split the purchased lease beneficial right on the e-micro loan platform, forming a high-quality asset project of e-micro loan. In the next financing project operation, as an internet financial platform, e-micro-loan gives full play to the advantages of financial services, actively finances projects and provides investors with stable and reliable investment income. In particular, if the lease receivables are overdue or delayed, Taifeng Leasing will buy back the beneficiary rights of the overdue part from the cooperative assets to protect the rights and interests of the investment users of the e-microfinance platform.
For automobile consumers, compared with direct mortgage to banks, financial leasing mode can not only help them to save complicated bank loan approval process, including real estate mortgage, bank running water, etc., but also effectively lower the threshold for car purchase and provide the greatest convenience for the optimal allocation of personal assets. Enterprise users can also flexibly determine the lease term according to their own cash flow, and the lease fee can also be deducted from enterprise income tax by issuing VAT invoices, which indirectly reduces the cost of car purchase. For investment users, the innovative measures to guarantee the rate of return by financial leasing mode are undoubtedly the forefront in the field of auto finance, which is conducive to investors' surprise victory in highly homogeneous Internet financial products.
Although BAT has already taken the lead in the field of auto finance, the P2P car loan platform still has great potential by relying on innovation ability. Moreover, with the increasing demand for low down payment and low interest rate financial products by car buyers after 1980s and 1990s, the rental and purchase model of e-micro-loan is expected to make a greater breakthrough in the Internet finance industry. At the same time, with the increase in the scale of rental customers, the automotive aftermarket also has great imagination.
Million car purchase subsidy