Refer car finance, financing is rented, domestic major customer feels is a kind of advanced, convenient spending pattern, hold approbate a manner, especially young consumption group. But also many consumer support distrustful attitude, think to buy a car or buy a car by traditional entire section honester, oppugn the moisture that domestic car finance, financing rents even.

Domestic car finance, financing rents the current situation

According to case of Luo Lan shellfish 2016 " car finance reports " , the average permeability of global car finance already was amounted to 2014 70% , financing is rented occupy 60% among them. The car finance permeability of the United States and Germany is mixed for 81% respectively 64% , the India that joins a developing country reached world average level basically also.

But our country regards global car produce and sale as big country, car finance permeability was only 2014 20% , permeability of whole of finance of our country car was 30%-35% about 2016, although relatively grew considerably 2014, but still still have bigger difference with country of car finance maturity. And another report that rents according to the whole world shows, the permeability of the market that rent of Euramerican developed country is in commonly 30-40% . But the permeability of the market that rent of the our country end 2012 has 1% only, was 2013 3.1% , the permeability of the industry was 2014 5.14% , this index still has very big difference from the level of the developed country.

These data are apparent point out finance of our country car, financing rents opposite developed country to exist bigger difference, even along with has some of be not a patch on for the India of the developing country, and investigate its reason no more than is: Domestic consumption concept is too old-fashioned, consumer is a few righter of advanced spending pattern inimical; At the same time the government sector is less than to the guiding of relevant industry, monitoring. But this also shows industry of banking of our country car accumulate contained tremendous progress latent capacity and growing space, rent a company to there is development space greatly in car money market especially.

Financing rents buy on sb's behalf in order to hire

At present the competitive posture of Chinese car money market had new change, a lot of finance rent a company to quickening the consumptive finance domain of layout car, introduce abroad's advanced car finance to consume mode, in last few years arisen buy on sb's behalf in order to hire even if among them one of.

Financing is rented medium buy on sb's behalf in order to hire to be belonged to likewise buy car pattern in installment, but however huge lowered the charge that shift a car and loan threshold. Finance rents a company to ask to buy car according to consumer, after superior license plate use car to consumer with rented form again. Customer pays rent every months by contract agreement (average time is 3- - 4 years) , after the contract that rent expires, car ownership agrees by the contract change the name of owner in a register gives customer.

As buy on sb's behalf in order to hire of the industry take the lead in bureau person, limited company of the service of car of Guangzhou happy passenger that rent devotes oneself to to buy on sb's behalf in order to hire mode, simplify the flow that buy a car, lower the threshold that buy a car, provide the service buying a car of save worry save labour for consumer, perfect the product requirement of money market of current home car. As we have learned, car of Guangzhou happy passenger rents those who serve limited company to buy on sb's behalf in order to hire mode submits application data in consumer junior travel wind accuses examine and verify, the consumer after passing needs those who make car to purchase duty, insurance only, on the early days charge such as the card can shift a car, accomplish 0 to pay buy a car. And the trival flow that buy a car also is done by this company completely calm, save cost of time, energy for consumer, accomplish save worry save labour.

But the main advantage that buys on sb's behalf in order to hire still depends on exceeding the low threshold that buy a car, car of happy like Guangzhou passenger rents those who serve limited company to buy on sb's behalf in order to hire to want year of full 23-55 one full year of life only, without record be executived by the court, current without exceed the time limit, offer Id, driver's license and bank card to be able to be dealt with, do not look sign a letter, and not plan indebted, no matter be the medium and small businesses of defective to aptitude individual consumer or need capital have enough to meet need, it is a kind of new option.

Look so, actually domestic car finance, financing rents the jumping-off place of the industry or depend on civilian, powerful nation, accordingly, the car is become to consume finance of car of brunt, international, financing to rent the future that high speed develops in young generation, domestic car finance, financing is rented also can last necessarily fervent go down, until overtake world average level.

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