(a) Product Description: Auto Certificate pawns the loan is my behavior to meet the car dealer's short-term funding needs, certificate to auto dealers selling cars as the pledge, registration, to the industrial and commercial administrative organs in accordance with the provisions of the annual inspection procedures, have a fixed business place, good credit repayment of the loan principal capacity car dealer loans granted liquidity.

(two) loans: 

1, check the certificate: the enterprise provide the factory period within 6 months of the vehicle certificate and the corresponding auto checking them one by one, and through the purchase invoice verification car price. 

2, to determine the loan amount: determine the real documents, effective, according to 50% of the value of the pledge to the loan amount. 

3, certificate management: the borrower sales in our pledge of the car, to be submitted to the replacement of the signature of the legal representative, the official seal of the application to our bank, the bank agreed to after the replacement, to not less than the same car purchase price of the car certificate for, or cash loan form to receive the corresponding the car certificate, the pledge to the replacement of pledge list shall prevail. 

(three) business advantage:
  To the enterprise: 

1, increase the efficiency in charge: car card, certificate pawns the bank, the vehicle is in the dealer, in not delay display sales situation, can increase liquidity, increase the purchase volume, adding more brand, has the effect of shoot two hawks with one arrow; 

2, convenient and quick: firms are no longer required for collateral assessment, he of warrants and a series of procedures, which can save time and reduce the cost of loans loans. 

On the bank: 

By replacing the pledge, master the management state of the enterprise easily. The pledge right than the control, to guard against the risk.