The bad debts of auto consumption loans have always been the “pain of the mind†of the banks. In addition, the Bank of China recently conducted special inspections on the auto consumption loans of some state-owned banks. Nanjing Bank is even more “sounding†and has contracted the silver bags of car loans. In addition to the strict definition of the review process, the proportion of down payment is also "a rise in the sky". Yesterday, the reporter found in an interview that for loans to purchase a car, the bank required a down payment of at least 30%, and some even reached 50%, that is to say, a car with a price of 100,000 yuan could be driven back by paying 20,000 yuan. It has now increased to three or four thousand yuan, and this does not include vehicle purchase tax and vehicle and boat tax. Insiders said that the bank's increase in the car loan threshold is just a means to prevent risks. It is very likely that the car loan business will fade out in the future. Instead, it will be a car finance company that has been watching the business for a long time. Up to 40% down payment for cars with less than 100,000 yuan Car loans with car prices below 100,000 yuan have been “strike hard†by banks in Nanjing, and some banks have even reported internally that the issuance of such loans is strictly prohibited. Several banks, which are still carrying out consumer car credit business, are now also "indifferent." For small car loans of RMB 100,000 or less, they have adopted policies to increase the down payment ratio and need more relevant mortgages or guarantees. Nanjing China Merchants Bank has increased the down payment ratio of auto loans up to 100,000 yuan, up to a maximum of 50%. At the same time, the lender needs to use the car as a mortgage, but also provide a high-quality guarantor, and the number of years for car loans of more than 100,000 yuan is also Reduced to 3 years in 5 years. The Bank of China also increased the down payment for loans with real estate mortgages and civil servant guarantees to 30% and 40%, respectively. ICBC's personal application for car loans, in addition to the creditor's own credit ratings, to determine the maximum amount, the mortgage down payment for loans up to 70%, the loan period of 3 to 5 years, in addition A civil servant is required to provide security. For individuals who lack collateral, the bank requires a guarantee company to guarantee it and a real estate license as a mortgage. In addition to increasing the down payment ratio to 30% to 40%, the Nanjing Pudong Development Bank reduced the number of years of auto loans to three years. The method of guarantee has also changed. There is basically no way to use vehicles as collateral. Now, it is mainly used as collateral for real estate. . It is understood that, a year ago, economic cars under 100,000 yuan had been the "big head" in car loans, and 80% of a bank's mid-month business was derived from these 100,000 yuan or less cars. High-risk car loan bank may be faded out across the reporter. The reporter learned from the interview that at present several banks in Nanjing have temporarily frozen the auto loan business. So will car loans be frozen for a long time? "Banks will sooner or later fade out the stage of auto consumer credit business and replace them with auto financial service companies like Volkswagen and Toyota." Yesterday, the head of the financial department of a joint-stock commercial bank in Nanjing said in an interview. According to relevant statistics, nearly 20% of the "private car races" in the country use auto consumption loans. As of the end of November 2003, the balance of auto consumption loans has reached more than 180 billion yuan. By the end of last year, personal car loans that domestic banks could not recover had exceeded 94.5 billion yuan. In other words, every loan of a car out of 100 yuan for consumer loans may have nearly 50 yuan. Why did the three years of personal auto consumption credit suffer so many bad debts? The industry analysts analyzed the reasons: First, the domestic credit system is not perfect, which makes people who do not pay the borrowed money without any default costs, and the banks also lack the ability to control the risk of auto credit; Second, the new car is now listed, the old car The price fell rapidly. Car buyers often found that the remaining repayment amount was enough to buy a new car after the price reduction. Therefore, these car buyers would use the existing car as collateral, or simply default. Or it will not repay the loan, causing the bank to lose a lot. With the withdrawal of the entire insurance company's car loan performance insurance last year, the risk suddenly fell to the bank's shoulders, and the risks borne by banks naturally grew. The auto finance company will eventually replace it with the current strong consumer demand for credit and the bank’s increasingly stringent credit policy, which has virtually kept many loan buyers from hiding. Does the ordinary people still have the opportunity to advance their car dreams in advance through credit? Relevant experts said that once the banks fade out of the car loan business, auto finance companies that specialize in operating this business will fill in this market gap. At present, China's first batch of auto finance companies have been approved. They are: SAIC General Motors Financial Co., Ltd., Toyota Motor Finance (China) Co., Ltd. and Volkswagen Finance (China) Co., Ltd. This is the first batch of auto finance companies approved to be established after the "Administrative Measures for Auto Finance Company" and "Implementing Rules for the Administration of Auto Finance Corporations" were promulgated. The three auto finance companies will complete the preparatory work in the first half of this year and be allowed to start operations before they are allowed to start operations. activity. This also marks the car giant will be involved in China's auto finance business. Insiders pointed out that in addition to automotive professional background, the success of overseas auto finance companies lies in the emphasis on risk prevention. Once there is an abnormality, it is immediately listed as an object of attention. Our country’s banks still lack such a tracking system. Of course, the credit system is also a problem. If you are cheated of credit abroad, you will have to pay a heavy price. In China, someone cheated a bank and defrauded one another. The bank still has no alternative. In addition, the difference between auto financing agencies and bank auto credits is that, in addition to providing funds, it also provides technical guidance, warranty, and recovery of used vehicles, and has the opportunity to maintain close contact with car buyers during pre-sales and after-sales services. This also makes it easier for them to take control of risks. These favorable conditions are difficult for banks to achieve. Although banks are very focused on making money, there is no such professional service and only the interest difference is seen. The risk is naturally high. News Source: Jiangnan Times
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