From the end of 2002, FAW financial companies from the dealer in North start in the south for personal automobile credit business pilot, the pilot has more than 30 dealers. The dealers in the pilot, told reporters in specific operations, FAW financial companies advance directly from the bank loans, according to dealers and then the actual situation and to apply for a loan amount. The user audit and risk management, is commissioned by the dealers do. In consideration of the risk factors, FAW financial companies in the choice of dealers compared carefully, in principle, is a province of only one choice, to do so was to protect the interests of the dealers and risk management. At present there are representative of the dealer Wanrong Changchun, Beijing Jidong, Hebei Qimao, and other units in risk, the FAW finance companies and dealers about the risk of considerable proportion.
At present, FAW Finance Company, mainly through supplementary credit dealers do business. From the model perspective, the FAW dealers existing models are mainly "off-straight" and "inter-off" of these two. For large distributors and large financial companies, FAW also direct financing.
It is understood that the powerful car makers tend to set up their own automobile financial institutions. This is not only in financial credit on a direct interest income, and other automotive services through the extension will effectively promote sales of automobiles and related business.
1999, GMAC Bank of New York in the acquisition of financial companies after the formal establishment of the Ministry of GMAC financial services business. Now, the business was renamed the Department of GMAC Commercial Credit Corporation, and GMAC's credit companies to become sister companies. The goal is to expand in the global fixed-asset rental business, which will credit the financial services business as a major source of revenue.
Currently, GMAC is the core of international business in the world, to the Opel, Vauxhall and Saab dealers to provide automobile credit services. Its business include: commercial and retail loans (commercial loans is the need to maintain a certain amount of stock car dealers to provide loan services to retail loans is the car from the dealer or the individual units provide loans), the full fleet leasing services and Management (regardless of size, and leasing services to customers throughout the team to provide services programme. GMAC also need to find outside the company's fleet management services company providing such services). Not see the accident, a joint venture with SAIC and GM of financial services companies to expand business volume and market mature, the business will have to enter China.
GM official said, "Although China's personal credit verification system is not perfect, automobile credit market in the initial stage, but we hope that eventually we will be able to introduce the professional advantages of China and the Chinese automotive consumer services we can to users The development of different repayment plans. At the same time, we also includes a different credit loans have different interest rates. For example, the user's credit good, we give him a minimum lending rate. If he's credit problems, we give him The interest rate will be higher. "
Because of the impact of interest rate deregulation, banks and other financial institutions can not be achieved under the Consumer Credit individuals determine the status of different loan interest. In general, this is his advantage.
Ford Motor chief financial companies Zhanguo Dong Beijing representative office, in August this year, the Second China International Forum on Motor Credit Ford introduced the practice, "Ford Motor Co. in global financial companies have six different brands. Everyone is familiar with a Ford credit, primarily serving the Ford dealers and Ford brand car customers. We still have a credit Volvo, Mazda Credit, etc. We in the provision of Volvo customers and dealers services, we do not have to Ford's credit Logo and reputation, but the name of credit with Volvo, Volvo Visitors to the exhibition hall, see a credit of the Volvo logo, service personnel pick up the phone will say 'Volvo credit' rather than 'Ford Credit '. "
"Of course we have different internal phone, a Miss in front of three telephone calls that Volvo is credit, this number is Ford Credit, Mazda here is the telephone credit. This is brand management practice. Of course, The United States and Japan, that is, non-Ford brands (such as the Universal brand, Volkswagen brand) of credit services, we have still not excluded. To a Ford dealer can also have multiple brands, he may be engaged in other brands, automobile credit needs When we can provide him. "
At present, FAW Finance Company, mainly through supplementary credit dealers do business. From the model perspective, the FAW dealers existing models are mainly "off-straight" and "inter-off" of these two. For large distributors and large financial companies, FAW also direct financing.
It is understood that the powerful car makers tend to set up their own automobile financial institutions. This is not only in financial credit on a direct interest income, and other automotive services through the extension will effectively promote sales of automobiles and related business.
1999, GMAC Bank of New York in the acquisition of financial companies after the formal establishment of the Ministry of GMAC financial services business. Now, the business was renamed the Department of GMAC Commercial Credit Corporation, and GMAC's credit companies to become sister companies. The goal is to expand in the global fixed-asset rental business, which will credit the financial services business as a major source of revenue.
Currently, GMAC is the core of international business in the world, to the Opel, Vauxhall and Saab dealers to provide automobile credit services. Its business include: commercial and retail loans (commercial loans is the need to maintain a certain amount of stock car dealers to provide loan services to retail loans is the car from the dealer or the individual units provide loans), the full fleet leasing services and Management (regardless of size, and leasing services to customers throughout the team to provide services programme. GMAC also need to find outside the company's fleet management services company providing such services). Not see the accident, a joint venture with SAIC and GM of financial services companies to expand business volume and market mature, the business will have to enter China.
GM official said, "Although China's personal credit verification system is not perfect, automobile credit market in the initial stage, but we hope that eventually we will be able to introduce the professional advantages of China and the Chinese automotive consumer services we can to users The development of different repayment plans. At the same time, we also includes a different credit loans have different interest rates. For example, the user's credit good, we give him a minimum lending rate. If he's credit problems, we give him The interest rate will be higher. "
Because of the impact of interest rate deregulation, banks and other financial institutions can not be achieved under the Consumer Credit individuals determine the status of different loan interest. In general, this is his advantage.
Ford Motor chief financial companies Zhanguo Dong Beijing representative office, in August this year, the Second China International Forum on Motor Credit Ford introduced the practice, "Ford Motor Co. in global financial companies have six different brands. Everyone is familiar with a Ford credit, primarily serving the Ford dealers and Ford brand car customers. We still have a credit Volvo, Mazda Credit, etc. We in the provision of Volvo customers and dealers services, we do not have to Ford's credit Logo and reputation, but the name of credit with Volvo, Volvo Visitors to the exhibition hall, see a credit of the Volvo logo, service personnel pick up the phone will say 'Volvo credit' rather than 'Ford Credit '. "
"Of course we have different internal phone, a Miss in front of three telephone calls that Volvo is credit, this number is Ford Credit, Mazda here is the telephone credit. This is brand management practice. Of course, The United States and Japan, that is, non-Ford brands (such as the Universal brand, Volkswagen brand) of credit services, we have still not excluded. To a Ford dealer can also have multiple brands, he may be engaged in other brands, automobile credit needs When we can provide him. "
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