What is 3 minutes are understood car financing is rented? ! Beat client of 7 kinds of causes continu

The car serves as a big consumable

Can you choose to be bought in installment?

What is car financing is rented after all?

What person can choose again?

The car does not resemble buying a house (buying house property is an appreciation investment commonly) , its depreciation is very sharp, general the depreciation after 4 years is 50% . Hypothesis car money paid for something purchased or received for something sold is 1 million yuan, if purchaser pays a period car paragraph hind, use the others money at the investment of interest rate of saving of other prep above, outclass of its return rate pays the interest with the economic institute that buy a car and poundage. Because of although this is rich with ease United States, 80%-85% new car also is to adopt an installment plan.

Car financing is rented, it is a kind of when depart car ownership and access new-style means that buy a car, car financing rents a company to buy the car that the client appoints, rent car the client to use, after the client pays certain earnest money by contract agreement, pay rent by the month, after the contract that rent expires, whether does the decision acquire car property by the client.

Alleviate the contradiction between demand and purchasing power

Automobile consumer credit and car financing hire the pattern buying a car of these two kinds of instalment, will alleviate potential demand and consumer are actual the contradiction between purchasing power.

The difference of formally:

A. Trade carrier: Financing is rented is the objective that gives priority to with the car, consumer credit is give priority to with the money.

B. The droit of the content inside lease: Financing is rented is droit belongs to lessor; Consumer credit is given to buy the buying party by move in droit of the commodity when commodity consign or contract become effective.

C. Trading structure: Financing is rented is two tripartite party, contracts; Consumer credit is contract of buyers and sellers, business.

D. The object is different: Financing leases move capital access, and do not suffer lessor place to oppose restriction of the asset that rent; Consumer credit criterion the asset of hold of place of bargainor of be confined to.

E. Raise fund the forehead spends: Financing is rented is 100% financing; Consumer credit is equivalent to buying the 70%-80% of car section commonly.

The client chooses financing to rent means to have a lot of reasons, according to understanding, its are occupied than be the main reason of 51% it is to resolve the contradiction that is in short supply because of purchasing car occurrence financing. At the same time opposite at inchoate consume in installment for, financing rents mode to fall, what take the lead in obtaining as a result of consumer is car access, because this exceeds low a Fu Hefeng's rich choice that buy a car, let " use a car first, hind get a car " car spending pattern is able to move, also let car financing rent become the market to consume main body gradually.

The contrast of actor inferior position of 3 kinds of mode that buy a car analyses:

According to the experience of mature car market, financing is rented henceforth should be to mix car banking firm, commercial bank the 3 position that draw car finance carriage to coexist. And at present financing of our country car rents the place that buy a car to hold proportion just 3% less than, future has very large market space certainly.

Rent directly: Hire one of business pattern as the commonly used financing on international, "Hire continuously " mode will more and more be favorred; Be applied extensively at each domains in home. Because of " hire continuously " mode can make enterprise dish put alive measure and rise trade the demand such as efficiency, nearly a few obtained rapid development.

Answer after carry out hire: But, hire the fundamental pattern that hires as financing continuously, hire than be being answered after carry out, him company that rent purchases a product to hire terminal user again to the supplier, the profit margin of this kind of mode is higher, and the company still can earn price difference, and the accrual of the other side such as damage value processing.

In recent years the business of the car financing development that rent and financing that rent receives the Central Bank to sign a letter the system is inseparable, because the perfect system that sign a letter is the key that expands car banking service, after receiving the Central Bank to impose letter system, can see not only involve trading project case, whether to produce the record such as break a contact, still can inquire right of the matter that rent belongs to the pertinent information such as the circumstance at any time at the same time.

On one hand, right of the matter that rent belongs to information record to be in book, can put an end to tenant to rent an enterprise to allow to will rent content to mortgage separately without financing; On the other hand, answer after carry out in hiring pattern, also can put an end to tenant will same the financing that the content that rent sells much home differs hires a firm, namely " one content much be in harmony " phenomenon. From this, be allowed to receive the Central Bank to impose letter system, can help financing rent an enterprise to evaluate trade the credit risk of adversary, the capacity that increases financing to rent an enterprise to control a venture, protect asset security thereby.

Car financing rents trade structure:

In car financing the domain that rent trades commonly mode is: Need acquires the enterprise of the car or individual (tenant) offer application, by the company that rent (lessor) take the place of to its are purchased or hire place to want a car, next re-lease gives a company (tenant) use. Enterprise (tenant) pay hire to come regularly by the financing contract that rent rent period end, the means that agrees according to the contract (it is normally pay symbolistic name payment for goods) and the cession that completes equipment property finally (also but relet or retreat hire) .

The client that car financing rents:

1, the person that cannot carry bank and condition of loan of car banking firm.

2, the person that does not want to take up bank credit forehead is spent.

3, the person that dislikes trouble of formalities of the other way that buy a car.

4, current economy condition is general but want to buy a car, do not want to have the person of pressure of too old economy again.

5, do not be willing the person with one-time too much defray.

6, the person that the company has traffic allowance to rent a car, car is hired full hind can change the name of owner in a register arrives him under one's name.

7, the company that does not want to bring into car fixed assets, gain car access only, reasonable avoid duty.

Summary, buy car demand to show nowadays young turn situation, the masses is spent to buying a car to approbate in installment taller and taller; To " the gens that do not have a car " for, the demand that use a car and the problem that capital is in short supply are objectively, and rent through car financing, implementation is rented replace bought quick way, catering to market demand.

The industrial meaning that car financing rents

Regard a car as main component of the industry, the development of two handcart market cooperates with those who drive business of the market after whole automobile industry development. The development experience of mature car market also shows, the look is newer car market, two handcart trade the body amount of the market is larger.

Be in be restricted change, taxation and temporarily after the property right problem that puzzles development of two handcart market for a long time is solved gradually, the two handcart industry of our country is welcoming brand-new development opportunity. However, the pain spot with two handcart the at present biggest markets of domestic is to lack car source. Lean only private sell, the car source of two handcart market is serious not saturated. Be in abroad, main two handcart source comes from financial orgnaization, be like the United States, nearly 2.5 million cars released two handcart to trade from inside the agreement that rent 2015 the market.

Car financing rents just to be able to solve the pain spot of two handcart markets of Chinese: Use financial tool, make car fast enter two handcart market, batch is made high grade and secondhand car vehicle source.