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主持人:汽车信贷被视为经销商销售的强心剂推入市场,对销售确实起到了推动作用。但凡事都有两面性,汽车信贷在盘活市场的同时,也暗含了断供风险,经销商如何进行日常风险控制呢?陈东兴:我们肯定要对贷款用户设定门槛,需要一些抵押物或是保险金。同时,我们有首付整车价格30%左右的限制,再算上上牌等各种费用,用户的实际支出其实不低,欺骗性买车的可能性很小。同时,车辆使用时间越长,残值越低,因此我们把贷款时限控制在两年之内,保证了车辆不会在贷款还清之前就被过度使用。
Moderator: Car credit is considered as a dealer selling cardiac products into the market, the sales did play a catalytic role. But everything has two sides, car credit market in the revitalization of the same time, also implied off for risk, dealers how to carry out daily risk control? Chen Dongxing: we must set the threshold for loan users, the need for some collateral or insurance . At the same time, we have a down payment of about 30% of the vehicle price limit, and then count on the card and other costs, the user’s actual expenditure is not low, the possibility of deceptive car is small. In the meantime, the longer the vehicle is used and the lower the salvage value is, so we control the loan period within two years to ensure that the vehicle will not be overused before the loan is paid off.