Recently, "a truck" magazine reporter long-term infiltration in truck sales a friend calls, let reporters to focus on a truck leasing and consumer credit. And he also told reporters that, "now the market situation, only the financing lease or consumer credit good truck manufacturers or dealers, able to sell trucks. Especially the financing lease, may become the mainstream model truck sales in the future."

In fact, in 2011 or even earlier, truck sales lease financing mode, is a relatively new "stuff", with little attention to people; but "truck" magazine has long been concern, "truck" magazine reporter who in 2011 published "truck leasing business save who" pointed out in an article the most fundamental reason, financial leasing, is because of the economic downturn, the market funding constraints, the original credit mode -- the protagonist in the tightening of bank loans to the truck users, truck manufacturers or dealers in sales, only path, so popular in the engineering machinery industry financing lease model, started into the truck enterprises and vendors. "".

However, because of new things, "truck" magazine reporter once pointed out, financial leasing mode application in truck industry is not mature enough, may cause many problems in practice. First of all, lease financing mode, to pay off the loan before, all users are not trucks, but only the lessee, but the actual risk, and almost equal to "all people" (which was because the Finance Leasing Company in order to control their own risk and let users signed despot provisions of invisible), therefore, the user from the psychological to accept more difficult, after all, feel every day in order not to belong to own truck owing on the loan, this is not a happy thing.

Secondly, the Finance Leasing Company for the understanding of the relationship of property right, so when in the selection of customers very seriously, in principle, be honest and trustworthy, profitability guaranteed quality customers, will become the object of financing lease, otherwise it will produce a risk; for the actual operation, will shut sb. most customers, and so market rumors that, as long as the choice of financing lease, you will be able to "zero Shoufu" buy truck.

Again, once the truck users not owing on the loan, risk, Finance Leasing Company or let the court buckle car, either out of their own pockets to keep the car to rent or sell. In practice, many Finance Leasing Company tend to choose the former, because the truck is different from engineering machinery and other large equipment, the actual service life is short, residual value is relatively low, it is difficult to two rental (for new users would prefer to buy a new car financing lease), selling second-hand car is thought, which in turn stimulates the Finance Leasing Company to strengthen risk, the more customers to shut sb. Of course, there is also a small fact, that is the user to buy the truck more willing to adopt the financing lease, and the engineering vehicle used in harsh environment, more easily depreciation and damage.

Finally, the financing lease although Shoufu low, but the cost is more than the original credit mode is higher, cannot but not to, will forget the economic accounts user would not choose to lease financing.

Although it may lease financing mode in the trucking industry is not so mature, but why since 2011, its business booming, even for the industry has "no finance lease can not sell the car" illusion? The only reason has been pointed out above, is because of the macroeconomic environment and regulation, the truck market serious downturn, banks tightening of liquidity, which is currently the only truck enterprises can think of ways to stimulate sales. But the reporter is not without concern, whether this is a new "Duanpingkuai" sales model? The risk will not be being accumulated with further deterioration of the market?

A lawsuit has huge user group and dozens of trucks, have risk financing leasing pattern shown clue. Some dealers large group, in order to increase sales, the sales model of financial leasing customers purchase a car before, but to inform customers is the ordinary consumer credit mode, when the user when unable to repay by the court to buckle car, only to find themselves are not the owner, no vehicle disposition, also have to bear the legal responsibility of great and large group, so we had to check evidence of both parties at court.

This event shows that at least some problems. First, large some of its dealers as an important link of communication with customers, in order to sales and their own short-term interests, in customer choice, may completely contrary to the principles of risk control of the financial leasing, the refuse nobody policy; second, the right to the use of the user psychology "(" leasing "ownership" (consumption) on the Equivocation credit), or even to deceive customers, financial leasing and consumer credit will be confused; third, with the further deterioration of the economic environment, the risk of financing lease in the gradual accumulation of.

And a large group of financing lease business huge Finance Leasing Company general manager door Qing also expressed concern. "Large group annual sales of about 50000 units of commercial vehicles, of which about 1/3 is by means of financing lease. In recent years, with the economic slowdown, especially this year, coal, steel, real estate industry not quite boom, led some consumers to buy a vehicle by way of leasing can not repay on time."

The financial risks existed, but in the market driven, truck industry of financial leasing mode, such as bamboo shoots after a spring rain is still like to spread in the market. Since the liberation and countries silver lease the earliest development financing lease China truck, heavy truck leasing business also followed, and then to the industry to promote the most Hualing automobile set up the Finance Leasing Company, and this year set up near the slack of Deutsche leasing companies, so far, almost all the truck manufacturers are developing the financial leasing business. Some Finance Leasing Company are independent of the truck outside the enterprise plus, can provide the service for the user that truck has more than ten. It is this paper mentioned at the beginning, the market first people have illusion, "no finance lease, sell not a truck".

Financing lease has become the second major financial instruments of the world only next to bank credit, is America and other developed countries, known as "sunrise industry". Just because Chinese truck market as well as the truck has its own unique characteristics, if the Finance Leasing Company able to grasp these characteristics, strictly controlling the risk, maybe it will be the future truck sales of a major financial mode, allowing more trucks users get rich or poor, ".