The way to make money

In the new car population, more than half of the consumers will choose the car financial plan.

According to the Chinese Automobile Flow Association, in 2020, my country’s auto-finance has exceeded 51%. The loan is bought a car, the installment is bought, and it is no longer a \”no money to be loaded with money\”, but an increasingly accepted consumption method.

Installment payment helps the car people to achieve the dream of car, but in recent years, with the increase in consumer legal awareness, and the exposure of the minority subject does not standardize the behavior, people always suspect that the loan is \”pit\” More, \”set\” deep. In particular, after the previous Xi’an \”Mercedes-Benz female car owner incident, the whole society is more concerned about the service level of automobile finance.

Loan to buy a car and ask more investment, avoid \”set\”

Revealing 3 years ago, the experience of buying a car 3 years ago, Ms. Zou still remembers a small episode in the loan process. At that time, the 4S store recommended a financial plan to her, and enjoyed a year of interest-free, and Ms. Zou felt a cost-effective and decisively accepted. But only a binding clause must be carried out in the 4S store.

\”I left my heart, I listened to the friend of the insurance company, I found that my insurance bought it for 2,000 pieces. I want to retreat, my friend said only to retreat, because the insurance regulations have A regret period, you can refund in this regret, 4S stores have no right to interfere. \”Ms. Zou immediately issued a fixed application order, returned to 4S shop, so in the 4S shop did not entangle, just inquired The reason why the amount of retreat is soon, and it will be assisted to handle the fund.

The same is a little doubtful for the car financial services, and Mr. Bu. Last year, a lot of new energy vehicles have emerged on a lot of zero down payment, zero interest purchases, and Mr. I also have to change the trend. He directly replaced new cars with old cars, and the old car discount is the first payment, and I chose a car purchase plan for 3 years. In his opinion, it is undoubtedly a division of money 36 and other repayments, and it can resist inflation in inflation to a certain extent.

And the little doubts lied that he did not pay attention to the contract in advance, and later he knew it, he did not understand this. However, the overall loan experience is still satisfactory, \”financial service charges are indeed, 3,000 yuan, but in the process of selling staff, he gave me free of charge, I suggested that everyone also cut the price.\”

More likely to be Mr. Pan, I just bought a car three months ago. Before buying a car, he contracted a number of 4S shops, and found that there were many 4S shops had interest-free policies. Banks also had a policy of stimulating consumption. He found that he found that it is most cost-effective to go to bank loans. \”The overall feeling of 4S shop car financial plan is very clear, there is no routine, I didn’t have a lot of money in the 4S store.\” Mr. Pan said.

Consumers should be alert to marketing, avoiding credit stains

\”China Motor News\” reporter interviewed multipleConsumers who buy cars are more satisfied with the evaluation of automobile financial services. However, it is also easy to eliminate a few unregulated behaviors or even illegal fraud. Among them, the most questioned is the financial service fee problem.

Wu Chaoye, Sales Manager, Beijing Dudodad 4S shop, is considered that the 4S shop provides a service for consumers and therefore, in fact, it is impossible, the key is that the cost is hidden or explicit. Now, a lot of 4S stores will march the toll items, posted on the store in the store, and inform consumers in advance, for consumers to choose independently. As for whether insurance is purchased in 4S shop, it is also determined by consumers, and the repayment rules of the loan are determined by the financial institutions of the loan.

As a employee is also a consumer, the deputy general manager of the car financial service merchant, the person in charge of the wind control center, recommended that the majority of consumers from the perspective of the entrepreneurial experience, must do it in advance The homework, preliminary understanding of the models, performance peripherals and market prices in their own budget, and is ready to come. To select car credit consumption products and services, try to choose large institutions, word-of-mouth brands, do not believe in marketers of marketers, be wary of \”Heavenly Take Pies\” products or services.

Zhang Hao, head of the Ministry of Sales Department, Canada Market, also believes that when choosing credit services, avoiding the best way to avoid routine, choose a financial institution or service provider with scale and brand effect. I don’t believe in the marketing of the common sense; I can learn more than a few more, compare, choose; when signing the contract, be sure to check the contract terms and repayment schedule, avoid signing a blank contract.

Of course, identifying risks are needed, many consumers lack basic financial common sense, and have lack recognition capabilities for some consumption traps. Some time, 22-year-old Xiao Liu looked at a new car, I want to pay for a car, and the result is directly refused by the big data detection link. It turned out that he used to buy a mobile phone with a network loan, and there is no on-time repayment, resulting in a stain in the contribution, and does not meet the loan conditions.

Customers who are unsuccessful, the regional manager of Canrt Henan Branch is encountered in the work, the main reason is that the credit order is not too close. He reminded consumers, first, unidentified credit test links should not click easier. Many websites or app will push online loan credit test links, in order to develop consumers into net loan customers, the design logic of these tests is the credit information of the same person, repeatedly testing multiple net loan platforms. The consequence of this is that when consumers really need loans, the credit management detection will find many ways to loans in different platforms, indicating the shortage of funds, poor repayment, and ultimately difficult to review.

Second, do not easily guarantee others, once the guarantor is overdue, the guarantor will bear the joint responsibility. Third, young people like online loans, and the major data is more and the people’s banking credit system. In other words, any unwaped behavior may be recorded, Leading to the difficulties of later loans, do not have luck.

Financial enterprises must adhere to the \”From the perspective of the user\” to provide services

Normative auto financial services, from the perspective of consumption, related to thousands of households, carrying consumers The direction of the beautiful car life; from the perspective of society, it is related to the benign healthy development of the car consumption market, which has a pivotal impact on the national economic development. Therefore, it will be a long-term task in enhancing financial services.

Wu Chao believes that the product is always the first. At the moment, the demand for car consumers is more diverse. For example, if you want a low month supply, you don’t want to share the last repayment, even if you don’t have a car indicator, you need 4S shop or financial institution to help solve the indicator problem. Bank, Automotive Financial Company, and automobile manufacturers need to develop different financial products to meet different financial products to meet different customer groups, and therefore, the financing leased products become a good idea.

Zhang Hao believes that the main environment in the automotive financial industry is health, but does not rule out that there is a small number of non-compliance companies or institutions have violations, let consumers suffer losses, and give a layer of \”routine\” Multi-\”scribe impression. The overall level of the industry is enhanced, and the primary lies in the promotion of industry service consumer capabilities. For example, through technology-based methods to realize the online, automation, and intelligence of automotive financial services, thereby reducing excessive manual participation, through standardization, standardization, Really provide consumers with safe, simple, convenient service.

\”The fundamental drop in automobile financial services is in ‘service’.\” In Chen Xin, this requires the automobile financial service provider, starting from improving service capabilities, adhere to \”from the user’s angle\”, in the car On the design and service process of financial products, make consumers understand, simple and convenient; prior preaching clear products and services, clear all parties and obligations, do not intentionally manufacturing information; At the same time, consumers always choose free consumption, try to eliminate their doubts.

With the social economic development, the structure and habits of consumers in automotive and credit markets have gradually changed, and the full-scale improvement of the automobile financial industry is imminent. Chen Xin introduced that with Changu Finance as an example, first, ask employees to \”look down on the road\”, always maintain the sensitivity to the market, really sinking to the market, understand the real pain point of the user, based on this product design and Process settings, doing truly \”interest\”, making consumers simple and pleasant. At the same time, it is necessary to \”look up at the sky\”. In addition to the actual business operation, hold the industry, the macro perspective of the market, and the development of any segmentation industry will not be out of the market and economic environment. Finally, we must do a line of love. \”Provide services that make people feel relieved, satisfactory, is the mission of every car finance, and it should be actions that make each practitioner have adequate pride.\” Chen Xin said.

Source: China Motor