Recently, according to the website of the China Consumer Association (hereinafter referred to as "China Consumers Association"), China Consumers Association found that some consumers who bought a car could not even get a vehicle certificate after they bought a car. New car information, using forged certificates, preemptive registration for unknown vehicles. The industry believes that this is not the only chaotic existence of vehicle certification, which has affected the development of the entire industry.
Li Gui sneaked in her ID card
The news from the Consumers Association stated that recently, some consumers have reported to the Consumers’ Association that after purchasing a family car, they took the relevant materials to the vehicle management office to complete the registration process. However, they were informed by the vehicle management staff that the certificate of the purchased vehicle had been Registered for a license, you can not re-card. After investigation, illegal elements have misappropriated car manufacturers' new car information and used fake certificates to preliminarily register vehicles for unknown vehicles, resulting in car sales that cannot be registered by car manufacturers.
The vehicle certificate is the certificate for the exemption of the vehicle's entire vehicle. It is a document that is printed by the motor vehicle production company and is issued with the vehicle and contains the company name, enterprise logo, and anti-counterfeiting information. It is an important part of the production company's assessment of consistency in product production management; it is one of the statutory documents that the consumer must submit when handling registration, insurance, and cancellation procedures for motor vehicles; it is also an effective tool for the management department to manage motor vehicles. In short, it is a “hukou†and “identity card†that proves the existence of a motor vehicle. Without this “identity cardâ€, a new car becomes a black car and cannot be used on the road. According to the situation learned by China Consumers Association, many new brands in China have the problem of being pre-registered with false certificates.
Car certification chaos
However, the registration of a vehicle certificate is not the only spur of the vehicle's vehicle certificate.
A few years ago, Zhongyi Da Commercial Group pledged a large number of new vehicle certificates to banks to obtain rapid expansion of funds, but after 2009, the auto manufacturing industry's profitability plummeted and tightened its policy of looser sellers. As a result, sellers have increased their inventories and their funds are tight. Vendors are unable to redeem certificates of mortgages at banks, leading some car owners who bought new cars to fail to obtain a vehicle certificate.
The industry stated that the mortgage of the certificate is a financing model commonly used by automobile sales companies at the moment: “Pledge Credit for Vehicle Qualification Certificateâ€.
It is understood that this model was introduced into China from the United States and Europe around the year 2000. The specific approach is that auto manufacturers, auto sales companies and the bank (usually the head office) signed a tripartite agreement, with the manufacturer's auto certification pledge, the bank loan to the dealer to buy a new car of the production company. When the automaker sends the car to the dealership, it passes the vehicle certificate as a pledge to the bank to prevent the dealer from selling the car without repaying the loan.
"Auto sales companies can get 50%-100% of the original car loan quota. This is very important for some small car sales companies." A boss of a 4S shop told the Beijing Daily reporter.
“Opening a new 4S store will require an initial investment of 20 million yuan in public relations and infrastructure construction. After they are completed, they urgently need a lot of money to purchase new cars, and the certificate mortgage has become the first choice for dealers,†said the boss.
In the first few years, automobile dealers recovered their costs quickly, banks also actively provided loans, and auto sales companies achieved rapid development through the certification of pledges. As a result, they have become more and more diversified and have diversified into the real estate, steel, and other fields. . However, as China's auto industry has entered the era of meager profits in recent years, many diversified operations of 4S stores have encountered difficulties, resulting in a fracture of the capital chain, and 4S stores have difficulty in obtaining funds for redemption certificates.
Regulating financial support is the way to solve problems
Zhang Zhiyong, an expert in the automotive industry, said in an interview with a Beijing Business Daily reporter that to solve the current issue of the pledge of quality certification, consumers must increase their awareness of safeguarding their own rights and interests, and must be required to obtain a certificate of conformity when signing a car contract payment. If you do not get a certificate, you must actively use legal means to safeguard your rights and interests.
Luo Lei, deputy secretary-general of the China Automobile Dealers Association, gave the proposal to establish an insurance mechanism involving automobile manufacturers, insurance companies, banks, and 4S stores. When similar situations occur where consumers do not get a certificate, insurance companies can Come forward to ensure the interests of consumers.
Car analyst Jia Xinguang believes that the financial companies of auto manufacturers are an important tool for solving dealer fund problems. The main task of foreign auto finance companies is to provide financing support for sales companies, not only to provide credit support for consumers.
It is understood that at the beginning of this year, Beijing Hyundai Motor Co., Ltd. officially opened an inventory financing business, and a group of Beijing Hyundai dealers obtained the loan quota of Beijing Hyundai Finance. “Auto dealers need long-term stable and reliable sources of financing, but there is instability in the amount and willingness of banks to lend. Once the economic situation is not good, it may reduce the supply of capital. As a dedicated auto finance company, providing financing support not only It is a icing on the cake, but it is also a good thing in the snow.†The person in charge of Beijing Hyundai Motor Co., Ltd. said in an interview with reporters.
In addition to the functions that auto financing companies should use to finance their distributors, Jia Xinguang also said that foreign manufacturers generally set aside a two-month repayment period for sales companies or provide a certain amount of credit from manufacturers. The sales company can lend to the bank. The distributors themselves can also set up joint financial institutions to provide operating funds for the companies in the alliance and form a virtuous cycle.
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