Chinese banks and large group carried out the car consumption loans brilliant course of ten years

In China auto industry, there is a let all the people in the industry admire noun, it helped nearly 300000 people in the round up to become rich dream, it sets up a bridge between the car dealers and banks, which hold up the car consumption loans brilliant. It is China became well-known in the automobile financial industry chain in ten years of "Jidong mode".

The so-called "Jidong mode", is a large trade group Limited by Share Ltd (the predecessor of Jidong electromechanical) created automobile credit form, its connotation is the dealer to control risk, "to help the user to apply for a loan, help users to choose the car license procedures, help the bank loan principal and interest, the collection for customers throughout the guarantee", let more people "spend tomorrow's money today yuan dream."

From 1999 and China bank Tangshan branch signed an agreement on car consumption loans, in ten years, a large group Chinese cooperation with banks and other financial institutions, the automobile consumption credit business volume has reached about 300000 units, consumer loans amounted to about 60000000000, in order to promote the automobile industry and national economic development has made outstanding contributions.

"The secret of success in Jidong mode" where? The key is the six level of risk prevention system. The six level of risk prevention system covers the personal credit evaluation system, risk monitoring and early warning system, risk system. It is by these three systems to form a complete system of risk prevention, the achievement of "Jidong mode" brilliant.

On the six levels of risk prevention system, before the two level for the personal credit evaluation system.

First of all, is the evaluation of the user of credit. Before applying for a loan to purchase a car loan, credit investigation must be the borrower, the loan purchase a car people eligible credit degree quantified into specific scores, authenticating user servicing ability, the scientific selection of user groups. 　　 The second is the accountability system for customer research staff, establish the credit investigation personnel Award (penalty) system, ensure the credit investigation result believable. The normal and effective operation and effective management of credit investigation personnel responsibility and security mechanism with economic lever.

Risk early warning system to monitor also has two stages. One is the implementation of client manager system in the company. Customer manager will be responsible for vehicle maintenance, operational procedures to the customer home before the end of the month, and the monthly repayment of principal and interest payments to help banks close up, at the same time, to know the operation of customers. Help customers deal with the traffic accident, insurance claims service, make service more humane.

Another kind of monitoring method is to install the GPS mobile target monitoring system for customer vehicles. A large group in cooperation with the German Siemens R & D GPS terminal, about 70000000 yuan investment in the construction of GPS mobile target monitoring system, the use of high-tech means, to guard against credit risk more effectively.

"The risk of Jidong mode" to resolve the system is composed of two stages. One is the use of judicial means to ensure that their legitimate rights and interests. Another is the establishment of the reserve system of loan risk. Defuse combined with passive resolve, to control risk and add a layer of insurance.

The six level of risk prevention system of progressive layers, complement each other, are indispensable, formed a complete, scientific, strict risk prevention of the closed loop system. In ten years, consumer loans non-performing rate of less than 0.06%, the bank risk rate is zero.

We look back on the development of "Jidong mode" car consumption loans brilliant course of ten years, be filled with a thousand regrets. In September 10, 1999, a large group firmly grasp the national policies to stimulate consumption opportunities, the decisive operation conception of developing automobile consumer credit, signed an agreement on car consumption loans and China bank Tangshan branch, has created Chinese auto loan purchase a car precedent. The support of the China bank Hebei branch, the automobile consumption credit business soon the reform and rapid development. It is superior to the straight type and style consumption loan model, showing a strong vitality, make the enterprises and banks to achieve a win-win situation, to meet the demand of consumers, to become the core competence of corporation.

In January 31, 2000, the automobile consumption loans launched in Chengde. In March 16th, Shijiazhuang branch and branch Xinhua China bank Shijiazhuang city to carry out "the user as the center, to help loan, help the car, full service, to establish credit archives" as the concept of automobile consumption loan business. At the end of 5 to conduct business in Zhangjiakou, Cangzhou area. In June 28th, Qinhuangdao branch and Qinhuangdao branch of Bank of Chinese automobile consumption loan business. This is the Bank of China Hebei branch launched the "Jidong mode" of the fifth city in the province. In July 7th, Langfang branch and Langfang branch of Bank of China automobile consumption loan business; in July 26th, Baoding branch and China bank Baoding branch of automobile consumption loan business; in August 18th, Hengshui branch and Hengshui branch of Bank of China automobile consumption loan business; in October 16th, Handan branch and China bank Handan branch of automobile consumption loan business; on November 16th, the opening of the Xingtai branch and a grand start business of automobile consumption loans. This large group and the China bank comprehensive business car consumption loans in the eleven city of Hebei province.

With the rapid development of business, the old motor vehicle consumption loan gradually put on the agenda. In January 10, 2003, the feasibility study report of Tangshan City Jidong old motor vehicle market about the old motor vehicle consumption loan business was officially approved. This marks the "increasing Jidong mode" auto loan service level.

From 1999 September to 2003 October, 5 years short time, a large group in Hebei, Beijing, Tianjin and other places more than 50 Professional Company, branch, store, use "Jidong mode" with the commercial banks to carry out the business of automobile consumption loans.

By using technology to improve risk prevention capacity is an important part of a large group of "Jidong mode". In December 6, 2003, a large group of GPS mobile target monitoring and identification of promotion and control car consumption loans risk seminar held, by the means of science and technology, make "Jidong mode" risk prevention system more perfect.

Some work, some harvest. A large group of ushered in the harvest season. In December 20, 2004, China Automobile Industry Association and Chinese industrial newspaper organized "Jidong mode China automobile consumption credit development forum" in Chinese Hall of science and technology, experts and scholars spoke highly of "Jidong mode". General manager Pang Qinghua of risk prevention system to control the risk of consumer credit, made a speech, and create the connotation of "Jidong mode" process introduced comprehensively. Pang Qinghua said, our model is the core in the risk control of auto consumption credit, from the beginning of September 10, 1999 for more than 5 years, if from the beginning of 1996 car payment date, there are more than 9 years, until 2004 "Jidong mode" to form the 6 stage risk system; two is the development of automobile consumption credit is on many good things, Chinese bank Hebei branch and the 5 years of our cooperation, not risk a penny, but at least every year 200000000 profit. In recent years, consumer credit has more than 8 loans to purchase a car on the road to get rich; only we pay taxes to the government in 2004 110000000 yuan, is beneficial to the country; in 2004, our sales of all types of 137500 vehicles, which greatly promote the role of China automobile industry development; then it is to our company to expand the business to increase benefit favorable. The country and people, with yourself and others are favorable.

In January 7, 2005, a large group of organized "Jidong mode -- China automobile consumption credit media seminar" held in Hebei Subaru car sales Co., Ltd. in Beijing. Attend this seminar have people's daily, economic daily, Chinese Youth Daily, Xinhua Daily Telegraph, China economic times, financial times, the economic observer, China industry news, Yanzhao Metropolis Daily, xinhuanet.com, qianlong.com and other media reporters, to report on the development of "Jidong mode".

In March 8, 2005, Chinese bank risk Zhuang Xuehui, personal finance ministry Song Ping and Chinese bank Hebei branch, Tangshan branch of the Bank of Chinese leading to large group inspection. To further understand the workings of automobile consumption credit "Jidong mode".

In October 10, 2005, the State Council Development Research Center Deputy Director Liu Shijin line to a large group of. And problems with general director Liu Pang common analysis of the current situation of auto consumption credit in our country. And put forward: service is the core competitiveness of enterprises.

In May 24, 2007, general manager of the Hebei branch of the Bank of China risk, Li Hangyue and other leaders to the large group of investigation. Production workshop in Qiming Electronic Co., asked in detail about the actual effect and the function of the system, and a live demonstration of consumer service vehicle tracking information, research group of large group development present situation and development prospect of giving full affirmation.

In May 7, 2009, a large bank, Bank of China Insurance Group and Chinese InterContinental Hotel in Beijing signed a strategic cooperation agreement. Chinese Bank Group Executive Committee, financial market department, Yue Yi of president of Bank of China Insurance Company Limited Duan Qiuping president, group chairman of the board and general manager Pang Qinghua, the representative of Pyramid with common tip three party cooperation together, Pyramid interior light rotation, meant to three party cooperation success, win in the future, in their hands, future goals high field is about to be born.

This strategic cooperation signing ceremony in grasping the "strategic basic services" car sales finance, conform to the car dealer industry consumer demand, large group and Chinese bank, Bank of China Insurance strategic cooperation will further expand the three party in the service function of auto finance field, realize mutual benefit and win-win. In order to further promote the business development and cooperation with Chinese bank, Bank of China Insurance better, realize cross selling three party products, increase market influence and brand competitiveness of three party products, corporation actively committed to broadening and China bank cooperation, the three party friendly consultations and cooperation of the deep.

In July 14, 2009, China bank Heilongjiang branch secretary, vice president Zhao Yuzhong and his party to company of group of automobile consumption loan business and large group officially signed a cooperative development agreement. The signing of the agreement for the future large group carried out the car in Heilongjiang province consumer loan business started.

Ten years of sincere hand in hand, stand together through storm and stress -- ten years in the future, based on close cooperation, mutual benefit and win-win, China banks and large group will continue to strive to first-class, dare be a person first vigor, vigorous strides to usher in a bright spring, bank enterprise cooperation tomorrow will be more beautiful.