Heavy truck dealers, faced with the uncertainty of the future freight market, how to reduce the risk of credit endorsement to users?
The first thing you need to know is how to get the best out of your car, and how to get the best out of your car, so you can get the best out of your car.
The above issues, Ping An International Finance Leasing Co. Ping An Leasing?)
Ping An International Finance Leasing Co.
Who is Ping An Leasing? What can Ping An Leasing bring to the commercial vehicle industry?In 2021, Fangde.com and Ping An Leasing Commercial Vehicle Division General Manager Du Hu, to explore the solution of financial leasing after the low sales of heavy trucks.
Ping An Leasing can help? seller? What does it do?
In the second half of 2021, the sales volume of heavy trucks dropped sharply, and dealers accumulated a large amount of inventory, while some users who purchased vehicles through financing encountered difficulties in their operations and defaulted on repayments. In this case there are customers who want to finance their vehicles, how can dealers choose the right financial products for their users?
If the dealer has more cooperation with Ping An Leasing Commercial Vehicle, then this ? The problem may be solved by the fact that the company's customers have to choose the right financial product for them. The problem, perhaps, can be solved.
Du Hu told Fangde.com that Ping An Leasing, as a professional financial leasing company, has a perfect marketing and wind control guarantee system. Ping An Leasing's full-process management of the auto leasing business can realize effective identification before leasing, effective prevention during leasing, and effective supervision after leasing, greatly reducing the risk of customer default.
Even with the dealer credit endorsement, the financial institution itself should have the ability to independently control the risk, and at the same time, the dealer risk identification, asset management aspects of the empowerment, only then, even in the downturn of the market can be effective in preventing and controlling the risk.
Du Hu said, Ping An Leasing has a more complete risk management system, in terms of the professional experience of the personnel, as well as technological, intelligent risk control and security system construction, will effectively reduce the audit of the user's default risk.
In addition, dealers can also choose in Ping An Leasing? Guarantee-free business? Ping An Leasing has launched a dealer guarantee-free business in 2018, which can help dealers avoid risks in the case of the logistics market downturn as well as greater capital pressure.? Du Hu introduced this way.
? Financial institutions must have independent risk control capabilities, both for their own responsibility, but also for the partners responsible. Du Hu said, Ping An leasing through the perfect audit standards and procedures, not only can their own risk greatly reduced, but also at the same time reduce the risk of partners.
Du Hu further introduced that, in cooperation with the dealer, to provide financing to the user to help dealers to reduce the risk, just Ping An Leasing of individual customers financial leasing business. From the public sector, Ping An Leasing can provide financing services for upstream manufacturers, commercial vehicle manufacturers, dealers and logistics companies. Taking logistics enterprise financing services as an example, for logistics enterprises in vehicles, warehousing equipment, automatic sorting equipment and other equipment procurement and intelligent upgrading of capital needs, Ping An Leasing Commercial Vehicle through the provision of financial leasing products and services, to help them reduce costs and increase efficiency; for logistics enterprises in the procurement of oil, ETC costs, freight advances, capacity expansion and other daily operating capital expenditure needs, Ping An Leasing Commercial Vehicle to provide financial leasing, factoring of receivables, and other financial services. For logistics enterprises, Ping An Leasing provides financial products such as leasing and factoring of accounts receivable.
? At present, we have cumulatively served more than 5,000 commercial vehicle-related enterprises, and the cumulative scale of capital placed is more than 50 billion yuan. Du Hu said, ? Ping An leasing comprehensive layout of heavy trucks, light trucks, used cars, public logistics and other businesses, rapid development in recent years, has established strategic cooperation with domestic mainstream commercial vehicle manufacturers.
Ping An Leasing can help? The buyer is the one who has to pay the price. What can Ping An Leasing do for the buyer?
Relying on Ping An Group's comprehensive financial and branding advantages, Ping An Leasing helps users reduce financing costs while meeting their vehicle purchase needs through personalized financial solutions, which plays a positive role in the current market environment of low freight prices and high oil and gas prices.
? Ping An Leasing is a professional financial leasing company under Ping An Group, relying on the comprehensive strength of the Group, Ping An Leasing has strong financial advantages, wind control, operation and management capabilities, and is able to provide end-users with suitable financial leasing products. ? Du Hu told Fangde.com.
? Ping An Leasing is well capitalized and can continue to meet the financing needs of users, and there is no ? No quota? The situation. At the end of the year or when the market situation falls, some financial institutions will contract the amount of funds, affecting the user to buy and use the car. And Ping An Leasing will not happen such a situation, long-term stability for the user to provide suitable financial services? Du Hu revealed a data: ? Ping An Leasing began to layout the commercial vehicle business in 2013, and the scale of placement began to rapidly increase in 2017, and the cumulative placement as of 2021 exceeded 50 billion. At present, we have accumulated 150,000 truck drivers to solve vehicle financing problems? .
Du Hu also talked about, in the current new car stock market is facing the transformation of the situation, Ping An Leasing is also actively layout used car business: ? Some users who buy used trucks have difficulty in obtaining financing, and Ping An Leasing also provides financial services for used vehicles.?
Fangde.com understands that, in addition to lower financing costs, Ping An Leasing also strictly adheres to the requirements of legal compliance for post-rental management, and has no violent collection and repossession of vehicles and other illegal and illicit behavior.
? After the user is overdue, Ping An Leasing first analyzes the data through the car networking platform to determine the operating status of the vehicle. For those who are indeed out of service, Ping An Leasing will be disposed of by a professional asset management team, which will actively communicate with the customer to understand the real reason for the customer's suspension, and take corresponding measures for the customer's different situations, such as helping the customer to analyze the actual situation, and actively assisting in the search for sources of goods, etc., with the ultimate goal of helping the customer get out of the temporary predicament, and also to ensure the smooth recovery of the company's assets. Du Hu told Fangde.com, ? For customers with better qualifications and willingness, we will try our best to help users solve their problems properly. If the customer really can't continue to operate, Ping An Leasing will help to find other users and used car dealers to take over the vehicles," Du Hu emphasized. Du Hu emphasized that Ping An Leasing is committed to being a warm financial service provider in the field of commercial vehicle services.
What can Ping An Leasing do to help the commercial vehicle industry?
Financial leasing is a new type of financial industry that integrates financing and financing, trade and technology updating, and it is an effective tool more suitable for small and medium-sized enterprises (SMEs) to finance, since it does not have high requirements for enterprise creditworthiness and credit guarantee when dealing with financing.
The value of heavy trucks is higher, and the nature of the purchase is based on the operation, which is more suitable for the operation of the more flexible financial leasing model.
Ping An leasing commercial vehicle business began in 2013, in the policy support and heavy truck sales growth opportunities for rapid development. 2016, Ping An leasing in the field of commercial vehicles in the cumulative scale of only 800 million yuan. 2021, Ping An leasing commercial vehicle investment scale has exceeded 50 billion yuan.
Du Hu told Fangde.com that technological innovation and application throughout the Ping An leasing commercial vehicle financial business in product pricing, channel access, customer access, risk approval, operation and management and other links. Ping An Leasing will be the original highly dependent on manual preset business processes, online, automated, intelligent transformation, from customer application, audit, signing, management, value-added services and other aspects, continue to enhance the customer experience of using the car at the same time, significantly reduce operating costs.
In addition to lower financing costs and stronger risk control capabilities, Ping An Leasing also has a lot to explore in terms of technology and intelligence, such as building a vehicle networking platform to complete the return of vehicle information, such as vehicle information, vehicle trajectory and operating status, driver driving preferences, etc., to achieve one-stop risk management and service infusion to ensure that the ? Vehicle? and? People The company's products and services are designed to meet the needs of the market, and to provide the best possible service to customers.
? Ping An Leasing is willing to be a catalyst for the development of the industry, providing long-term value services. Du Hu said, Ping An leasing around the whole life cycle of commercial vehicles, a full range of commercial vehicle production, circulation, consumption, operation, recirculation and other five links, is committed to become a commercial vehicle logistics all-weather financial partners.
In the future, in Ping An Group?
In the future, Ping An Group's financial + technology?
In the future, Ping An Group's finance + technology will be a key component of the company's strategy. The company's business is based on the idea that the company's business is a business, and that it is a business. Under the guidance of Ping An Leasing's strategy, Ping An Leasing will continue to focus on the commercial vehicle logistics industry, and through deep plowing in the industry, model innovation, and leading technology, it will continue to provide customers across the industrial chain with financing products and services that are suitable for the development of the times.
? Doing one thing, accomplishing a group of people, I hope we can contribute more talents to the commercial vehicle financial leasing industry. Du Hu said.
Extended reading
Ping An International Financial Leasing Co., Ltd. is a wholly-owned subsidiary of Ping An Group engaged in financial leasing business, founded in January 2013, with a registered capital of 14.5 billion yuan.
The company is based on serving the real economy, actively consolidating its traditional business, and continuously laying out innovative fields. As of the first half of 2021, the company's total assets amounted to 287.433 billion yuan, and its comprehensive strength ranked among the top three in the industry.
Ping An Leasing's commercial vehicle business, as an important segment of Ping An Leasing's auto finance business, comprehensively lays out the business of heavy trucks, light trucks, used cars, and public logistics, etc., which has been developing rapidly in recent years, and has successively established strategic cooperation with domestic mainstream commercial vehicle manufacturers to form a business model of "Manufacturer+Dealer+End Customer". We have established strategic cooperation with domestic mainstream commercial vehicle manufacturers, forming a three-in-one cooperative relationship: manufacturer + dealer + end customer. The company has established strategic cooperation with domestic mainstream commercial vehicle manufacturers, forming a "manufacturer+dealer+end-customer" trinity partnership.
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