Is Minsheng Financial Leasing Car Loan Reliable?

If you want to get a loan, you should go to a regular bank. If you borrow from some so-called financial investment institutions, it is easy to fall into the trap and get into trouble. This is the basic way to solve the problem of routine loan. First of all, we must verify the qualification of the other platform. The basic routine of routine loan is based on personal private lending, with various names such as "borrow one and pledge one" and "borrow one and pledge two". By signing a "yin-yang contract" or a "inflated loan contract" and other debt contracts that are obviously unfavorable to borrowers, they illegally obtain various monetary benefits such as "handling fees" to achieve the purpose of illegally demanding huge sums of money. We should carefully distinguish the difference between conventional loans and private lending.

1. Car loan, commonly known as "car loan", is a major consumption form of modern car purchase. Refers to the loans that the lender gives to the borrower to buy cars (including used cars), including personal car loans, dealer car loans and institutional car loans. The auto loan interest rate shall be implemented in accordance with the loan interest rate regulations published by the People's Bank of China, and the method of interest calculation and settlement shall be determined by both borrowers and borrowers through consultation. The loan term of auto loan (including extension) shall not exceed 5 years, of which the loan term of used car loan (including extension) shall not exceed 3 years, and the loan term of dealer auto loan shall not exceed 1 year. Lenders and borrowers should follow the principles of equality, voluntariness, honesty and trustworthiness.

2. Minsheng Financial Leasing Co., Ltd. was established in April 2008. Initiated and controlled by China Minsheng Bank [1], the first batch of five financial leasing companies with banking background were established with the approval of China Banking Regulatory Commission, with a registered capital of 5.095 billion yuan.

On March 20111214, Minsheng Leasing successfully completed its capital increase and share expansion, and its capital increased from 3.2 billion yuan to 5.095 billion yuan. By the end of 20 1 1, the total assets of Minsheng Leasing exceeded 60 billion yuan, and the accumulated business investment exceeded 80 billion yuan. Non-performing assets are zero, and profitability, asset scale and profit level are among the best in the industry. At present, it has become the largest business jet leasing company and the largest ship leasing company in China, with nearly 90 business jets of various types and more than 130 ships, of which the total capacity of dry bulk fleet is nearly 4.6 million deadweight tons.