[forty-one] caseBus mortgage business JOYOU Lanzhou Bus Company Limited

The basic situation, enterprise

(a) business analysis

The registered capital of Lanzhou JOYOU Bus Co. Ltd. for 480000000 yuan, the total assets of about 4500000000 yuan, the production of seven series, 4-12 m 8-55 seat covers all types of passenger cars, with annual sales of more than 5200000000 yuan. Annual sales of passenger car 17695, among them, large passenger car 4095, medium-sized passenger car 3611, car 9989; sales income average annual growth rate of more than 40%, in recent years, company to maintain a rapid growth momentum of development. Stamping, welding, painting, assembly of the four production line the company has the domestic leading level, the main equipment is selected from the group consisting of USA, Germany, Britain and Japan, the famous manufacturer. JOYOU Bus Co., Ltd. is one of the countries and the Department of transportation designated bus backbone production enterprises, because of the company business scale, ample cash flow, is a local bank gold customers, the banks pursued. Vehicle sales model: in more than 50 dealers nationwide, by the dealer sales to car self-employed, dealers in designated areas develop terminal car customers.

Two, the bank points

Lanzhou branch of a state-owned banks belong to local later, there has been no opportunity to cut the customer. After investigation, to understand the production of the product has great market consumption potential, many individual customers need to buy cars, but there exist some difficulties of lack of funds, not a one-time payment for the car.

(a) customer management analysis

1, JOYOU Bus Co. Ltd. as the first group bus market strength, operating in stable condition, the company's total assets, sales revenue, profit increased year by year, market share has been ranked in the forefront of the domestic. Enterprise management and stability, rich management experience, good credit standing

2, the borrower's financial situation is good, the financial indicators to normal, the liquidity of the assets and business operation ability, enterprise financing ability, in the bank's total credit amount to about 7000000000, but the enterprise reality with less, the net cash flow of the business activities of enterprises can effectively meet the enterprise management needs.

3, JOYOU car limited company of "procurement, sales, finance, financial management, management of" five requirements in the sales of the most concern, can be used as the starting point. Lanzhou branch through careful market research, understand that JOYOU Bus Company Limited sales model: dealers, accounting for about 60 of sales, the need for banks to provide the bank acceptance bill support to distributors; direct supply part of large customer, accounting for about 40% of sales, require banks to provide long-term mortgage loans to support the staging.

(two) the customer risk analysis

1, the bank's financing object

Owners buy stable cash income. The purchase of owner is the passenger transport company, while passenger market is relatively standardized, bus line management right belongs to the monopoly of resources, industry competition and orderly. Operational qualification of each bus line must be approved by the government of transportation management department for approval, to avoid malicious competition, usually more stringent examination and approval, a good line certificate in the Lanzhou market value of not less than 300000 yuan. Owners of the stable cash flow, the repayment ability of security. According to the survey, the normal service life of a commercial vehicle in 5-8 years, 2-3 years of operating income can ensure to recover the full investment, loan period to determine the reasonable in 3 years.

2, risk control and security. Operating vehicle affiliated company (usually a passenger transport company) to the owners of constraint effect. While operating the vehicle belongs to the exercise equipment, cannot be locked, but in line operation qualification constraints, the operation of vehicles subject to strict constraints of the management organs, can effectively prevent and control the credit risk. By bus: the purchase of mortgage + factory repurchase guarantee + manufacturers a certain proportion of margin ", this will strictly control lending risks.

3, the more experienced. Customers apply for loans has rich operating experience, updating vehicle class more and more high, income is more and more big, the corresponding risk is more and more small, and borrowers Shoufu not less than the price of 30%, plus the vehicle surcharge, licensing and insurance costs, the actual investment loans to borrowers purchase line bus in the above car price 50%, banks and mortgage loans accounted for the ratio has been greatly reduced, the owners generally will not default, the bank risk is greatly reduced.