Xi'an runs quickly woman's bicycle advocate dimension authority incident, regard news as heat, had gone; Regard consumption as financial industry event, just just begin. Popular feeling ran high, after enthusiasm is extinct, bequeath a lot of did not solve a problem, be like:
The finance in the setting that buy a car serves cost, why was banned?
Return finance to serve cost, why is finally a case only?
Consumptive finance repeatedly defect " cover a region " disturbance, have reason of deep administrative levels?
Consumptive finance credit is damaged, have the plan that remedy?
...
The case is not terrible, terrible is a case backside each other are associated. A few problems not get to the bottom of, bigger crisis still can come over.
Zhou Yu hits Huang Gai
The end of wind result green duckweed.
In dimension authority incident, run quickly woman's bicycle advocate ceaseless and interrogatory, oneself run all loan procedures, what face does 4S inn have to receive finance to serve cost?
A lot of netizens take his experience to assentation, inn of even if 4S helps conduction loan procedures, nod workload then, by what to collect fees 15 thousand yuan?
Push and wide, the example that yields our disturbed and indignantdisturbed and indignant still has a lot of.
For instance estate intermediary, did not give particle power in housing business course, by what to collect fees big tens of thousands of?
Or, small king is taking intermediary clerk to hire a guest to went to a room turning nevertheless circuit, the chummage that by what should receive a month serves as redound?
More very person, star people place a few Pose before camera lens nevertheless, is Dai Yan expended why at every turn about a hundred 10 thousand?
These problems, involve most an economics phenomenon of the foundation, namely by what is the value decided?
Economics thinks, the price of same thing, do not decide by value, be by the opposite relationship of supply and demand -- of the rare decision that be short of a gender.
Air and water, the value of opposite life is the greatest, it is free however; What does diamond have to use, actually expensive unusual. Nowhere is not in air and water, be close to infinite supply; The supply of diamond is too little, so very expensive.
The station looks in economics angle, do not offer a service to receive finance to serve cost however, why can you become 4S store buy Che Qian regulation?
The loan that because be in,4S inn gets is enough and cheap, add high specified number to serve cost, as before " do not be in an unfavorable situation " , the rational person that buy a car is willing to buy sheet.
With the Benz finance of experience thing the service is exemple, loan time limit 24 months, annual interest rate has 3.99% only. Woman's bicycle advocate the money that buy a car six hundred and thirty-three thousand eight hundred yuan, head Fu Sancheng, loan principal four hundred and forty-three thousand six hundred and sixty yuan, two years interest cost adds up to eighteen thousand seven hundred yuan.
Even if adds service of so called banking to expend 12575 yuan, aggregate loan cost 31 thousand yuan, amount to annual interest is led 6.6% , with the market congener product is compared, very inviting still.
The market looks to collect fees commonly in light of level. According to Yi Xin group annual report is announced, car financing rented average yield 2018 for 11.7% , will nearly 3 years keep balance basically.
To promote car sale, pay interest in the form of a deduction when selling a bill of exchange of car banking firm even 0 cost rate makes loan, the price is far under the market average level, of inn of 4S of even if overlay unreasonable collect fees, integrated cost still has very great market competition ability, even under yield of fiducial product conduct financial transactions.
Cite an impertinent case, with the integrated cost of 6.6% loan buys a car, the money buying a car that comes down with the province buys the fiducial conduct financial transactions of 8% , the profit that earns 1.4% every year is poor, what is there against it?
So, a lot of people obviously capable to pay total money, know 4S inn obviously collect fees be bored with having a cat, to 4S inn the salesperson is cast come over buy car olive branch in installment, still won't refuse.
Zhou Yu hits Huang Gai, one wishs to hit, one wishs to endure. This is the bottom gas that 4S inn dares to collect fees in disorder.
Nevertheless, this is economic Zhang, not be legal Zhang.
Fasten sodden end of authority letting dimension
From the point of view that consumer protects, should collect fees in disorder only (rate is bound opaque or compulsively collect fees) , violate compasses act namely, the rationality of economics level, cannot avoid as legal level duty reason.
Nevertheless, authority of dimension of car person follow-up is bought to go up in support, market supervisory orgnaization appears rational exercise restraint, taking the advantage of public opinion heat to come an one knife cut.
Woman's bicycle advocate reconcile very quickly with 4S inn, other run quickly when the car basically seeks same view, refuse however. Government of supervisory management board of Shaanxi province market complains a hot line newest feedback is: "You have the relevant note that buys at that time, can complain with the incoming telegram, we can undertake registering, but specific how be being solved is undertake mediate and be handlinged by industrial and commercial place. But specific how be being solved is undertake mediate and be handlinged by industrial and commercial place..
Why to take the chance to ban is those who suffer controversy alleged " does finance serve cost " ?
The somebody in the market analyses: 4S inn just collects fees tall, but did not violate compasses, disadvantageous processing.
The fact is not such.
If just fix a price tall, do not involve buy by force sell by force, do not involve in cold blood con, that is market action, do not calculate violate compasses. Can investigate discovery further, xi'an runs quickly fee of incident banking service still has new reason rear.
Twelve thousand six hundred, it is brushstroke passes bridge cost, run quickly finance serves as put borrow an orgnaization, name of the donor wants a week time about, tripartite company does a good turn during mat endowment.
Then, examine minutely 3 problems again:
(1) whether does mat endowment cross the bridge to be necessary? Not necessary. If OK and managing twelve thousand six hundred, I think, great majority buys car person to be willing to wait one week again, the car is shifted after waiting for make loans of car banking firm again. In the person that buy a car unwitting setting falls, come bind type to fill up endowment, enroach on the authority of know the inside story of the person that buy a car and option.
(2) is mat endowment orgnaization put lend intelligence? Without.
(3) is the price reasonable? Unreasonable. Mat endowment four hundred and forty-three thousand six hundred and sixty yuan, 7 days, collect fees twelve thousand six hundred, year change interest rate to be as high as 148% , extortionary calm individual character, the sign that has bit of 714 tall big gun.
Only with respect to this 3 can see, cost of this mat endowment closes indescribably, the view that returns entirely ought to get supportive.
The 4S storefront of experience thing faces the problem that remove fee, will tell to industry of whole car dealer, comb seriously even collect fees project, let put in god 's charge sacredly, triumphant the Gui Kai that scatter is scattered.
It is to let charge name return to source. Similar finance serves cost, although to in installment client collection, but have nothing to do with finance substantially, belong to fee of the service that buy a car. The ovine head that hanging finance sells a dog the meat, improper, should let collect fees the project returns to source, or merges into car price, or serves the name of cost with the sale, cannot setting ask for trouble, finance carries boiler on the back.
2 it is to give bind sale untie a person. 4S inn sells insurance by force to wait, enroach on consumer preference counterpoises, although there is good reason for it -- allowance advocate course of study, but wrong is a fault. To bind sale untie a person, return consumer freedom option. Where does the deficit that acts as agent as to insurance go making up for? The thing that is 4S him inn then. Give the freedom of consumer preference first, the businessman just has the freedom of the price.
3 it is to collect fees transparent, child old man does not have bully. This year, do not look for an old driver to accompany, nobody dare go 4S inn buys a car -- do not understand, flow is much, concern is cheated. Look from associate with history, 4S inn also did not make everybody disappointed -- set the road is fascicular. Play weighs somebody, on life journey, besides hospital, school, there also is friend in 4S inn very much most.
It is one picket buying and selling originally, must so complex?
Setting ask for trouble, finance carries boiler on the back
In run quickly woman's bicycle advocate in dimension authority incident, silver protects inspect to be able to make a response, the nominal collection charge that specific requirement dealer must not think car banking firm offers finance to serve. Unspoken words in a play left to the understanding of the audience or reader is, car banking firm does not have a fault, just carried boiler on the back for 4S inn.
Similar setting ask for trouble, finance bears the responsibility of boiler, still have a lot of.
In the setting that rent a house, grow those who rent apartment to cover a region, the boiler of financial orgnaization;
Education grooms in setting, groom a road of the orgnaization, the boiler of financial orgnaization;
In setting of medical treatment hairdressing, a road of cure beautiful orgnaization, the boiler of financial orgnaization;
...
Financial orgnaization is not complete and innocent, but below most circumstance, the person that hire room person, student, face-lifting together is same, financial orgnaization also is a victim. Long hire apartment to be able to run road, financial orgnaization does not run, not only fame is damaged, clear away remaining pieces even -- concession is made on bad Zhang cancel after verification.
The covers road, finance boiler of setting, more and more general, besides criticising setting just does not rely on chart, dig reason of a few deep administrative levels even.
A, this is the sequela with setting and fast and shirt-sleeve in recent years finance.
In shirt-sleeve process, collect fees structure border of more and more complex, charge is more and more ambiguous, nature of consumer protection pressure is bigger and bigger.
Financial orgnaization becomes setting, setting just does banking, finance and setting quicken confluence, the process is here medium, each other collect fees mode and collect fees the structure appeared jackknife across.
A few belong to setting to collect fees just the nominal collection that serves cost with finance, also a few finance serve cost to carry the nominal collection of a Jing Fang, carry in financial consumer, extremely easy generation is promiscuous, also created a condition for make a profit in troubled situation of individual and illegal orgnaization.
Right now, we can appeal each just cannot collect fees in disorder greatly, evolve into one knife finally to cut -- forbid to close " such-and-such cost " . The problem is, everybody does not wish to collect fees so, the top is worn " collect fees opaque, price is unreasonable " cap, it is a thunder sooner or later.
It is thunder can explode, cure beauty explodes in installment thunder, education explodes in installment thunder, hire a room to explode in installment thunder, 4S inn also explodes now thunder. Everybody carries Lei Qian on the head to go, nothing more than earn a few money for how.
Second, root just makes money to go up hard in setting.
Below trend of economic be issued to lower levels, it is more and more difficult that all trades and professions makes money, borrow finance and the big trend with shirt-sleeve setting, the decision that made finance -- or receives poundage with financial name, or collects drainage fee to financial orgnaization directly, lever of finance of or have the aid of returns a money ahead of schedule.
According to statistic of restful negotiable securities, gross profit of 4S inn bicycle is general not tall, the average gross profit that sells a car is in 10 thousand yuan more the following. Deduct charge of manpower cost, overhead expenses, drainage to wait again, remnant does not leave a few money.
Advocate course of study does not make money, consider some of profitable avocation necessarily. Then, the maintenance after carry out, receive finance to serve cost, build carry out new car to be sure to wait, became come the way of money.
With respect to a few big agency looks, 7 become gross profit by all sorts of " avocation " contribution. But 7 abduct 8 abduct, abb still goes out to go up in ovine body. 7 abduct the process of 8 abduct, let a person look it is not not clear, clear to admit, in becoming consumer mouth " water is very deep " .
Although depth of water, but the gain capability of 4S inn is not strong.
2017, a car dealer board piece yield of average only capital fund is 7.87% , under 8.48% of wholesale retail trade, also under all A 10.83% .
Gold of 100 fund capital, one year net is less than 8 money, money gives birth to the ability of money to still be inferior to buying P2P.
Face such an unprofitable industries, do not solve its gain problem, collect fees random elephant how can easily exterminatory?
Opprobrium turns spreading disaster
Setting just should survive, consumer interest wants to protect, financial industry reputation also nots allow again and again bring shame on.
The confluence of finance and setting still is being quickened, can balance tripartite interest only, this thing just relies on chart feasible, otherwise, a thunder receives a thunder, without the end.
Protective consumer interest, defend financial industry reputation, accuse begging is open and transparent, with setting square proper gain does not contradict. The key should be straightened collect fees structure, had done carry out supervise -- collect fees never mind high (give market competition goes solving) , logistic to collecting fees disorder, price is opaque should punish again.
More than still these.
Although financial orgnaization carries boiler on the back time and again, but innocent person not pitiful. Setting collects fees just random elephant, orgnaization of finance of a lot of moment is know the inside story, open an eye to close a key point nevertheless, the graph is quiet.
The fact proves however, it doesn't matter is quiet, still be procrastinated to enter the water time and again instead, industry credit is damaged again and again.
Some closer year, emerge in endlessly " cover a road to borrow " , no matter whose boiler, those who overdraw is the credit that consumes finance. Be heated orders incident severe test, many people " suddenly be enlightened " , it seems that abrupt recognize finance trades of backside " dirty chaos is resembled " , borrower is in picture associate with finance is examined to trade like detective, search " bedding bag road " clues.
The credit of the industry, in little cave in.
More and more people are equal consumption at covering a region in installment, once this idea is formed, turn round hard.
For a time, the French does not eat potato, dare not eat. 1748, french parliament issues a decree, prohibit growing potato, because potato and devil are relevant.
It is long that the exterior of potato resembles in subterranean apple, come from ignorant America again, of French person for " ghost apple " , think the conceal in the tuber of potato is worn devils, dare the person that has potato, can catch leprosy disease, consumption, without medicine but cure.
This one delicate food, be inspected to look for trouble to be kissed magically, your Christian become terror-stricken at the news. Till after 40 years, the force of famine of have the aid of, tomato patch eventually popularity leaves come.
This, financial service fee is inspected the accomplice that covers a road to borrow, numerous people indicate; The next time, consumptive loan can be inspected " ghost apple " , where is everybody stay at a respectful distance from sb?
"Yan Yuan of · of the analects of confucius " in, child tribute asks politics. Child say: "Sufficient feed, sufficient arms, of civilian letter. " child tribute says: "Must not go soon surely, yu Sisan person He Xian? " say: "Go arms. " child tribute says: "Must not go soon surely. He Xian of Yu Si both? " say: "Go feeding. All have dead since ancient times, civilian do not stand without the letter. Civilian do not stand without the letter..Child tribute is consulted to Confucius for politics path, confucius puts forward food to want enough, national defence complete, right people should keep promise. Below have to circumstance, would rather food eats not quite, also cannot break his promise at civilian.
The reputation of the industry is bad, everybody had not auspicioused day.
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