Xi'an runs quickly woman's bicycle advocate dimension authority incident ferments further, financial superintendency department also intervenes among them.
On April 15 evening, according to message of Xinhua News Agency, to media heat was discussed recently run quickly woman's bicycle advocate by collection " finance serves cost " problem, chinese silver protects inspect to be able to take seriously highly, already asked Beijing silver protects inspect bureau to Meisaidesi - whether does Benz banking limited company exist to violate compasses collection finance to serve the problem such as cost to launch investigation through agency.
The silver-colored meeting that keep watch expresses, the ground investigation state of affairs takes necessary superintendency step lawfully, cogent the legitimate rights and interests that defends financial consumer.
Xi'an runs quickly woman's bicycle advocate dimension authority be related, public opinion at first is focusing runs quickly only the shoddy quality issue that new car did not drive inn giving 4S to encounter leakage oil, return drag in to give woman's bicycle unexpectedly later advocate doubt 4S inn is in " finance serves cost " on put some con issues, the effect of this matter is broad at running quickly car quality problem, because this matter is kicked,exploded the chaos of domain of consumption of whole car finance collects fees inside story of a plot, protect what inspect meets to intervene plus silver, predicting this matter consumes the influence of the domain to still will last to car finance.
Woman's bicycle advocate fee of doubt banking service is suspected of con key at 2 o'clock
Engine of afterwards doubt new car leaks after problem of oily existence quality, this sits in run quickly the Xi'an woman's bicycle that thought of the complain tearfully on engine lid fors the time being advocate still kick exploded the inside story of a plot of domain of car finance consumption.
This woman's bicycle advocate say, oneself are original capable entire section buys a car, but run quickly the salesperson persuades 4S store its are used run quickly financial business undertakes borrowing money buying a car, in this one process, she to " finance serves cost " be related is complete not know the inside story. And handing in a Fu Houcai witting fifteen thousand two hundred yuan " finance serves cost " , this charge " cannot get stuck in order to brush " , she is to pass small letter to turn Zhang arrives inside 4S inn in the individual account of an employee, and did not open bill, have receipt only.
Accordingly, be aimed at this " finance serves cost " , this woman's bicycle advocate think to be suspected of " con " crucial point basically depends on at 2 o'clock:
The first, why be go canvassing car advocate take time of choice banking service fails to inform finance having a pen to serve cost ahead of schedule;
The 2nd, serve cost " service " reflect after all in what respect? The relevant formalities such as the bank running water that she serves in conduction finance, living card and house property guaranty and proof, deal with by him individual, did not enjoy the service of 4S inn in this one process.
Woman's bicycle advocate kick explode industry of car finance consumption goes regular
Actually, this woman's bicycle advocate just kick exploded of industry of whole car banking go regular. Reporter of certificate business China understands, it is to run quickly not only, instantly is almost all for the car advocate service of metropolis collection banking expends the 4S shop that provides car loan professional work, specific amount is differ. Once loan chooses to buy a car in 4S inn, look be like can buy a car with inferior interest rate loan, and do not need money of one-time Fu Quan, but after if add,financial service is expended, consider come down to purchase car cost integratedly not certain can resemble looking so be to one's profit.
At present on the market " finance serves cost " general rate is loan amount 2% - 5% the left and right sides, but each 4S inn differs somewhat, differ to on 10 thousand yuan from thousands of yuan. Normally the circumstance falls, so called finance serves cost to be not is car banking firm or bank collection, however 4S inn in order to help a car advocate for the service that place of application car loan provides collection charge.
Basically belong to 4S him inn as a result of this money collection, also accordingly, be like,can appear this woman's bicycle advocate what say, "Financial service fee is to turn Zhang arrives in individual account, have receipt only without bill " circumstance.
Run quickly deny to client collection any financial service fee
Because finance serves cost,be 4S him inn more collection, unite standard and effective supervisory tie mechanism without the industry, random elephant is so more. But the other one party that serves as this matter, run quickly is the respect responsible?
Meisaidesi - run quickly 14 days evening makes a statement say: Be respected all along and legal laws and regulations begins business operation related according to, do not reach client collection to agency any financial service fee. Express, meisaidesi - run quickly make public and sincere letter wants in the process that again and again asks agency is managed independently in its abide by the law, ensure the legitimate rights and interests of consumer.
Current, a lot of car manufacturers of domestic have car finance subsidiary, be engaged in the relevant banking service such as car loan technically. Reporter of certificate business China consults Meisaidesi - run quickly government-owned net shows, meisaidesi, Benz banking limited company is public those who show collect fees in project catalog, did not have " finance serves cost " name of this one service.
Nevertheless, of this attention is, in Meisaidesi, run quickly in the financial program that recommends in government-owned net, in the webpage most endmost alludes in additional item: "Run quickly the particular value of product of financial firm banking and detail negotiate consistent final retail prices to be with client and accredit agency accurate. Specific retail trade pertinent information asks configuration of the price, product and financial product to decide with accredit agency " .
Accordingly, although Meisaidesi - run quickly the government is denied " do not reach client collection to agency any financial service fee " , but to 4S inn to the car advocate whether does collection banking service exist in cost process violate compasses problem, run quickly the action that whether responsible understanding takes shop of measure standard 4S, in order to ensure the legitimate rights and interests of consumer? Still be argumentative focus at present.
Zhang Xin of solicitor of office of attorney of Beijing Beijing division year express when accepting pragmatic and direct car to interview, be like woman's bicycle advocate place character is belonged to solid, basis " consumer rights and interests protects a law " regulation, distributors had encroached woman's bicycle advocate authority of know the inside story and fairness trade authority, the agree carries corresponding administrative responsibility. At the same time distributors not bright show finance to served the cost collection standard, act that does not open bill to its to also be disobeyed " car sale runs way " in relevant sale action is normative, ought to instruct by branch of director of commerce of place of prefectural class above correct, and highest can be in 30 thousand yuan of the following amerce.
Superintendency proclaimed in writing asks to abide by benefit strictly to expend detached principle
Notable is, whether does the focus of public opinion basically exist in 4S inn centrally now the problem that encroachs consumer rights and interests, but to the responsibility delimit between Benz banking firm and 4S inn still be scotoma. This silver-colored branch that keep watch is pair of Meisaidesi only - whether does Benz banking limited company exist to violate compasses collection finance to serve the problem such as cost to launch investigation through agency, that is to say, if findings shows, financial service fee is 4S him inn only collection, the branch that is not put between car banking firm and 4S inn is debatable, so the rights and interests that car banking firm does not exist to encroach consumer directly. However, is car banking firm responsible does with compulsory standard 4S inn sell behavior of company banking product? This also is the central issue that needs attention next.
Can promulgate according to former silver-colored inspect " car banking firm runs way " , if car banking firm has need of the bag outside business, should make the policy related to the bag outside business and administrative system, the decision-making process of the bag outside including business, wrap information of business of honest opinion and management, control to keep secret the measure of gender and security and lash-up plan to wait external.
In addition, meet according to former in January 2012 silver-colored inspect of print and distribute " about orgnaization of punish banking finance non-standard management announcement " (" 7 forbid, 4 open " ) in clear, banking finance orgnaization should abide by benefit to expend detached principle, distinguish strictly close to cease and collect fees business, must not disclose interest for charge collection, forbidden covert raise interest rate. And Meisaidesi - run quickly also hang out " about Chinese silver inspect is met to banking finance orgnaization " 7 forbid " , " 4 open " formulary announcement " .
Weather eye checks data to show, meisaidesi - Benz banking limited company held water in September 2005, register capital more than yuan six billion nine hundred and eighty-two million seven hundred and fifty thousand, partner straps joint-stock company and Daimule to wear Mu big China area invests limited company, each are held 52.2% with 47.8% . Contentious case of this corporation law is close 2000, involve issue of financial loan contract not less among them.
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