According to the statistics of Beijing's old motor vehicle market, in 2007, the volume of used car transactions in Beijing was 342,000, an increase of only 6% over the previous year, which was lower than the average growth rate of 30% in recent years. The used car industry Into the bottleneck period in recent years. The relevant personage thinks, with the maturity of the second-hand automobile industry regulation and the gradual standardization of the transaction, in the first half of 2008, the used car industry will appear several new trends.
　　 â—Used car loans are expected to start in the first half of this year
With the banking industry tightening since last year, the loan business of various commercial banks has gradually begun to slow down, and the development of new businesses has become the focus of commercial banks' loan business. In particular, the gradual improvement of new car loan business has prompted the use of used cars. Loans have become a new field in the eyes of commercial banks. All indications are that since the second half of last year, several commercial banks in Beijing have started investigations on the used car market and plan to start second-hand car loans in the first half of this year.
However, the feedback from various banks shows that the complexity of second-hand car loans is much greater than that of new cars, such as whether the formalities of used cars are true, whether the used car is normal (is it stealing), and whether second-hand car status is reliable? It is the main factor affecting the development of the used car loan business. Some bank professionals believe that if a loan is provided for the used car business, if there is no authoritative department or brand manufacturer to certify the used car, the loan business will not be able to proceed.
In the branded second-hand car sector, as a result of corporate brand certification, as early as 2006, second-hand car loan business had already been carried out. From the business situation, the actual proportion of second-hand car loans was higher than that of new cars because of the consumption of branded second-hand cars. Those who prefer to buy cars through loans.
　　 ◠Brand used car is the first to try loan business
The Shanghai GM used-car new used car is the second-hand car used in the second-hand car field to develop the second-hand car loan business. Through Shanghai GM Finance, it promotes its second-hand car loan business nationwide. The data shows that due to the harsh conditions of its used car certification (use period is not more than 5 years and must pass 107 tests), the risk ratio of used car loan business is similar to that of new car, and the used car loan business has an undeniable role in promoting used car transactions. .
However, judging from the current used car industry, branded used cars only account for a small portion of market transactions, and a large number of used cars that have been traded through the market cannot obtain second-hand car loans. This is the current predicament of the development of the used car industry. According to the statistics of the second half of 2007, used
The sales of cars have already bid farewell to the pattern of relying on sales in the past, and the proportion of new cars for used cars has also increased year after year. The used car industry is ushering in unprecedented opportunities for development.
　　 â—Used cars will be classified certification to eliminate dishonesty
The analysis of used car professionals in Beijing suggests that the main reasons for restricting the use of second-hand car loans are as follows: First, the used car industry lacks industry standards, and second-hand car brokerage companies are still market-driven, resulting in slow commercialization of second-hand cars; It is unfavorable to promote the use of branded second-hand cars. Many brands of used cars have been operating in accordance with the brokerage company model because of taxation and other reasons. The market lacks brand-operated brands of second-hand cars; the third is the lack of authoritative institutional certification for used car procedures and vehicle conditions. Relevant management departments do not have relevant standards, which makes it difficult to advance some new businesses.
At present, some used-car markets have recognized these issues and intend to join hands with some industry associations to lead the use of second-hand car certification. The preliminary plan is to classify used cars that are currently traded in the market and classify them according to the brand, year, and condition of used cars. A, B, C, D, E, F6 grade certification, each certified used car will be verified through vehicle procedures, traffic violations, and then to the market in accordance with the brand. Professionals believe that brand-certified used cars will be reflected in the transaction process in the transaction process in the form of contracts, so that consumers can get rid of the long-standing concerns that the used car will not be honest regardless of the channels through which it is purchased. .
　　 ◠Certification is the basis for the development of used car loans
A professional who has long been engaged in auto loans said that according to our experience, the risk of second-hand car loans may be lower than new car loans. He believes that for a long time, second-hand car loans can not be started, mainly due to faster changes in used car prices, resulting in relatively high risk, but from the perspective of the market after 2005, used car prices have begun to stabilize, the price ratio of some models The new car is still stable. Then there is the gradual increase in the percentage of Beijingers buying used cars. This is the best time for the used car business to start.
It is widely believed that if the used car industry can fundamentally solve problems such as formalities verification, vehicle condition assessment, illegal inquiries, and grade certification, the used car loan will soon begin in the used car market, which will play a very good role in the development of the used car industry. Promote the role. However, from the current market analysis, there are currently 12 standards assessment agencies in Beijing that lack uniform standards for the promotion of used car certification. This will lead to a long way to go for new car business certification.
　　 â—Used car loans are expected to start in the first half of this year
With the banking industry tightening since last year, the loan business of various commercial banks has gradually begun to slow down, and the development of new businesses has become the focus of commercial banks' loan business. In particular, the gradual improvement of new car loan business has prompted the use of used cars. Loans have become a new field in the eyes of commercial banks. All indications are that since the second half of last year, several commercial banks in Beijing have started investigations on the used car market and plan to start second-hand car loans in the first half of this year.
However, the feedback from various banks shows that the complexity of second-hand car loans is much greater than that of new cars, such as whether the formalities of used cars are true, whether the used car is normal (is it stealing), and whether second-hand car status is reliable? It is the main factor affecting the development of the used car loan business. Some bank professionals believe that if a loan is provided for the used car business, if there is no authoritative department or brand manufacturer to certify the used car, the loan business will not be able to proceed.
In the branded second-hand car sector, as a result of corporate brand certification, as early as 2006, second-hand car loan business had already been carried out. From the business situation, the actual proportion of second-hand car loans was higher than that of new cars because of the consumption of branded second-hand cars. Those who prefer to buy cars through loans.
　　 ◠Brand used car is the first to try loan business
The Shanghai GM used-car new used car is the second-hand car used in the second-hand car field to develop the second-hand car loan business. Through Shanghai GM Finance, it promotes its second-hand car loan business nationwide. The data shows that due to the harsh conditions of its used car certification (use period is not more than 5 years and must pass 107 tests), the risk ratio of used car loan business is similar to that of new car, and the used car loan business has an undeniable role in promoting used car transactions. .
However, judging from the current used car industry, branded used cars only account for a small portion of market transactions, and a large number of used cars that have been traded through the market cannot obtain second-hand car loans. This is the current predicament of the development of the used car industry. According to the statistics of the second half of 2007, used
The sales of cars have already bid farewell to the pattern of relying on sales in the past, and the proportion of new cars for used cars has also increased year after year. The used car industry is ushering in unprecedented opportunities for development.
　　 â—Used cars will be classified certification to eliminate dishonesty
The analysis of used car professionals in Beijing suggests that the main reasons for restricting the use of second-hand car loans are as follows: First, the used car industry lacks industry standards, and second-hand car brokerage companies are still market-driven, resulting in slow commercialization of second-hand cars; It is unfavorable to promote the use of branded second-hand cars. Many brands of used cars have been operating in accordance with the brokerage company model because of taxation and other reasons. The market lacks brand-operated brands of second-hand cars; the third is the lack of authoritative institutional certification for used car procedures and vehicle conditions. Relevant management departments do not have relevant standards, which makes it difficult to advance some new businesses.
At present, some used-car markets have recognized these issues and intend to join hands with some industry associations to lead the use of second-hand car certification. The preliminary plan is to classify used cars that are currently traded in the market and classify them according to the brand, year, and condition of used cars. A, B, C, D, E, F6 grade certification, each certified used car will be verified through vehicle procedures, traffic violations, and then to the market in accordance with the brand. Professionals believe that brand-certified used cars will be reflected in the transaction process in the transaction process in the form of contracts, so that consumers can get rid of the long-standing concerns that the used car will not be honest regardless of the channels through which it is purchased. .
　　 ◠Certification is the basis for the development of used car loans
A professional who has long been engaged in auto loans said that according to our experience, the risk of second-hand car loans may be lower than new car loans. He believes that for a long time, second-hand car loans can not be started, mainly due to faster changes in used car prices, resulting in relatively high risk, but from the perspective of the market after 2005, used car prices have begun to stabilize, the price ratio of some models The new car is still stable. Then there is the gradual increase in the percentage of Beijingers buying used cars. This is the best time for the used car business to start.
It is widely believed that if the used car industry can fundamentally solve problems such as formalities verification, vehicle condition assessment, illegal inquiries, and grade certification, the used car loan will soon begin in the used car market, which will play a very good role in the development of the used car industry. Promote the role. However, from the current market analysis, there are currently 12 standards assessment agencies in Beijing that lack uniform standards for the promotion of used car certification. This will lead to a long way to go for new car business certification.
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