Che Daixian nightmare of the insurance industry has finally exposed the dawn of a recovery, if operating properly, the beneficiaries will also include banks and other financial institutions and the vast majority of car purchaser of people - on the 14th Pacific Property Insurance announced that its new version of "individual stages Car insurance payment performance bond "(referred to as" the new Che Daixian ") to be on the market. It is 7-8 on insurance companies have to withdraw from the market after Judai Xian, the first domestic company level resume Ju Daixian from the insurance company.
However, Taibao Che Daixian the news, but not too big waves caused in Shanghai. -- Contact many insurance companies in Shanghai auto insurance sector, most of it is very calm. "Shanghai in the short term no-Ju Daixian push the idea," said the same people responsible.
Hongjiyishi compared with the Auto Financing, Che Daixian in Shanghai has not Qi Bolan.
Taibao the new Che Daixian known as the "second generation Judai Xian", as distinct from the previous Judai Xian. According to its provisions, only the private life of natural persons to purchase vehicles, loan period not exceeding three years and 30% of the down payment, in order to insure the new Che Daixian. Of the many car people, a good news is that the insured a result of accidental injury or disease caused the death of default and other reasons, insurance companies will be insured for repayment, no longer recover the other obvious change is Rates increased.
PROPERTY Taibao, deputy general manager Xu Jian-nan disclosed that the new insurance will be the first in Hangzhou, Ningbo, Qingdao, and other five pilot cities, Shanghai because of Che Daixian absent for a long time, many banks do not care about the return Ju Daixian, not The first pilot as well.
"The new Che Daixian," another major breakthrough, is to reposition the bank and the relationship between the insurance companies. Insurance companies do not entirely trust the banks to provide information to customers, while trying to master their own client's credit status.
Bank Shanghai Branch, general manager of the private financial Shuaishi to Judai Xian on a higher level of consideration: "Professional auto finance company is about to appear, the Auto Financing Business Bank will face unprecedented challenges, the need to business, markets and Overall risks to consider. Auto Financing and insurance companies is the risk of social control a key. "Similarly, Taibao not miss this opportunity auto finance company. "GM, Volkswagen, SAIC Motor and other financial companies interested in setting up the institutions we have carried out communication and cooperation in the future." Xu Jian-nan said.
It is worth noting that, based in Shanghai's Taibao Group, and Shanghai as its not "new Che Daixian" one of the starting point. "Shanghai in the short term no-Ju Daixian pushed the idea." Taibao, human security and peace Shanghai Branch related to the same reporter who expressed similar views.
PICC Shanghai Branch motor head Cai Jing said, have not yet received Corporation on the resumption of Che Daixian's instructions, at least not this year, the General Assembly re-launched.
Taibao Shanghai Branch of the Department of motor introduced, when the insurance companies in the design of automobile consumption loans guaranteed insurance, the main purpose is to promote auto insurance business. At that time, the insurance and vehicle insurance is bundled together. But with loan-to-steam field intensifying competition, but almost all banks are no longer force customers to apply for a loan guarantee when buying insurance. Less the support of banks, insurance companies, the list less and less. Since 2001, Che Daixian gradually fading out from the Shanghai market. "Guangdong and other places and different, Che Daixian launched in Shanghai, did not arouse much waves."
Che Daixian gradually fading out of Shanghai, and Shanghai Automotive earlier implementation of measures to protect the property rights relating to the collateral. Car buyers who apply for a car loan, the vehicle must be secured property rights in the bank, the loan period, the purchaser will have no right to transfer a car or nationality. Once a default, the banks can immediately notify the court will be confiscated cars, trucks and the right to conduct the auction to repay the loans owed by the owners.
Some car buyers said they do not prefer to buy Judai Xian. "Or not-to-Ju Daixian to our car will not have much impact on the additional charges now Mingmufanduo we have made confused, a few thousand dollars more to the Judai Xian is not necessary." 1 - Car buyers who said.
However, Taibao Che Daixian the news, but not too big waves caused in Shanghai. -- Contact many insurance companies in Shanghai auto insurance sector, most of it is very calm. "Shanghai in the short term no-Ju Daixian push the idea," said the same people responsible.
Hongjiyishi compared with the Auto Financing, Che Daixian in Shanghai has not Qi Bolan.
Taibao the new Che Daixian known as the "second generation Judai Xian", as distinct from the previous Judai Xian. According to its provisions, only the private life of natural persons to purchase vehicles, loan period not exceeding three years and 30% of the down payment, in order to insure the new Che Daixian. Of the many car people, a good news is that the insured a result of accidental injury or disease caused the death of default and other reasons, insurance companies will be insured for repayment, no longer recover the other obvious change is Rates increased.
PROPERTY Taibao, deputy general manager Xu Jian-nan disclosed that the new insurance will be the first in Hangzhou, Ningbo, Qingdao, and other five pilot cities, Shanghai because of Che Daixian absent for a long time, many banks do not care about the return Ju Daixian, not The first pilot as well.
"The new Che Daixian," another major breakthrough, is to reposition the bank and the relationship between the insurance companies. Insurance companies do not entirely trust the banks to provide information to customers, while trying to master their own client's credit status.
Bank Shanghai Branch, general manager of the private financial Shuaishi to Judai Xian on a higher level of consideration: "Professional auto finance company is about to appear, the Auto Financing Business Bank will face unprecedented challenges, the need to business, markets and Overall risks to consider. Auto Financing and insurance companies is the risk of social control a key. "Similarly, Taibao not miss this opportunity auto finance company. "GM, Volkswagen, SAIC Motor and other financial companies interested in setting up the institutions we have carried out communication and cooperation in the future." Xu Jian-nan said.
It is worth noting that, based in Shanghai's Taibao Group, and Shanghai as its not "new Che Daixian" one of the starting point. "Shanghai in the short term no-Ju Daixian pushed the idea." Taibao, human security and peace Shanghai Branch related to the same reporter who expressed similar views.
PICC Shanghai Branch motor head Cai Jing said, have not yet received Corporation on the resumption of Che Daixian's instructions, at least not this year, the General Assembly re-launched.
Taibao Shanghai Branch of the Department of motor introduced, when the insurance companies in the design of automobile consumption loans guaranteed insurance, the main purpose is to promote auto insurance business. At that time, the insurance and vehicle insurance is bundled together. But with loan-to-steam field intensifying competition, but almost all banks are no longer force customers to apply for a loan guarantee when buying insurance. Less the support of banks, insurance companies, the list less and less. Since 2001, Che Daixian gradually fading out from the Shanghai market. "Guangdong and other places and different, Che Daixian launched in Shanghai, did not arouse much waves."
Che Daixian gradually fading out of Shanghai, and Shanghai Automotive earlier implementation of measures to protect the property rights relating to the collateral. Car buyers who apply for a car loan, the vehicle must be secured property rights in the bank, the loan period, the purchaser will have no right to transfer a car or nationality. Once a default, the banks can immediately notify the court will be confiscated cars, trucks and the right to conduct the auction to repay the loans owed by the owners.
Some car buyers said they do not prefer to buy Judai Xian. "Or not-to-Ju Daixian to our car will not have much impact on the additional charges now Mingmufanduo we have made confused, a few thousand dollars more to the Judai Xian is not necessary." 1 - Car buyers who said.
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