A few days ago, mr Cheng of some company is in in agency of Shanghai general motors, the kind that carries instalment bought a two handcart. This looks seem common thing, caused many shaking in industry however. Investigate its reason is, business of two handcart loan already backwater is old, shanghai general motors right now business of two handcart credit serves sortie, develop this service inside countrywide limits, this is broken ice when start afresh to business of two handcart credit undoubtedly lift.
The current situation is secondhand backwater of car loan business
"We do not have business of two handcart credit at present, bank respect comes on stage without the relevant policy of two handcart credit all the time. " a few days ago, the reporter seeks advice with respect to business of two handcart credit provincial when intermediary of loan of finance of much home car, get similar answer. Subsequently the reporter waits for the car of the bank to borrow an understanding to arrive from bank of Bank of China, construction again, bank respect still also has no the intent that begins professional work of two handcart credit.
"We ever had rolled out two handcart business for some time with bank collaboration when 2003, outstanding achievement is pretty good still at that time. To 2004 because of policy consideration, must stop this professional work finally, do not have restart to pass to now all the time. " in Henan old motor vehicle trades center, the thunder manager memory of company of travel of luck of Zhengzhou of company of two handcart broker says. "Ever intermediary of finance of partial car loan tries to had done business of two handcart loan before. " Zhengzhou city inferior the Zhang Zong of company of flying car chain discloses, because the bank is relevant,policy of form a complete set did not come on stage later, this business was not begun truly rise.
In home market overall standstill setting leaves business of two handcart loan, shanghai is general one-up sortie is secondhand car credit business. The reporter understands from Xu Long of Henan of Shanghai general agency, shanghai is at present general the business of two handcart loan that roll out, general brand of Shanghai of be confined to " attestation is secondhand car " , head pay scale 50 ％ above, loan specified amount is spent not under 30 thousand yuan, time limit of the seniorest loan 3 years, loan interest rate and new car are same.
Risk of two handcart loan increases the reason
Two handcart of our country traded 2006 quantity 190. 590 thousand, grow 31 compared to the same period. 5 ％ , two handcart of whole nation of month of the nine before this year trade quantity 105. 320 thousand, than last year tower above of the corresponding period 18. 950 thousand, grow 21 compared to the same period. 94 ％ , two handcart market appears a rapid growth momentum. This also is business of two handcart loan undoubtedly begin provided vast market space, however, why intermediary of loan of finance of bank, car do not wish sortie among them?
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