What are the p2c financial management platforms?

c=rrrb:.rrbr> cbrCbr ..>< c=>Zhongxinjinfu
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c=r>r Song Dynasty..>< c=>Zhongxinjinfu (
c Song Dynasty brCbr..>.
r Song Dynasty..>
c Song Dynasty brCbr..>.
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cbrCbr..>< c=> is an online loan platform independently developed by Zhongxin.
r..>< c=> was born In
cbrCbr..>< c=>< c=Cbr>< c=> in January, it is affiliated to the Zhongxin Puhui Group and its operation center is established in Shanghai. It is China's leading automotive Internet finance company. Service Platform.
cr>.>< c=>Why are financial management platforms and car loans so popular< c>?
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cr>r..>< c=>For For investors, the car loan business meets the requirements of small amounts and decentralization, and the business model is relatively simple (< c=>Because collateral can be liquidated quickly, platforms often do not have complicated fund custody and guarantee procedures< c=Cbr>)< c=>, it is easy for investors to understand, and the returns are relatively high< c=Cbr>(< c=>On the one hand, it is because the business links are simple and the cost is low< c=Cbr>< c=> On the other hand On the one hand, the loan amount is small and the interest rate is relatively high< c=Cbr>)< c=>.
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cr>r..>< c=>For the platform, the industry threshold for the car loan business is low (< c=>Whether it is business knowledge, risk control Capability, or capital requirements< c=Cbr>)< c=>, the profit margin is relatively large, the business operation is simple, and the borrowing projects are easy to develop. Therefore, it is favored by many platforms.
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cr>.>< c=>How high is the risk of car loan on the financial management platform< c>?
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cr>r Song Dynasty..>< c=>Many investors do not understand that in fact, car loans are still a high-risk, high-yield business. Cars are special movable assets that require ownership registration, and can also be called registered real estate. Car loans have small amounts and quick asset disposal, so when it comes to risk control, little attention is paid to the borrower's repayment ability, but more emphasis is placed on the value assessment and physical control of the collateral. This is also the reason why car loans can be disbursed on the same day (< c=> There are no complicated risk control procedures and mortgage registration, notarization and other procedures< c=Cbr>)< c=>.
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cr>r..>< c=>In actual business operations, there are generally three forms of car loan operations: < c=>, car escrow Pledge < c=Cbr> (< c=> do mortgage registration, and pledge the car at the same time < c=Cbr>)< c=>< c=Cbr>< c=>, pledge the certificate but not the car< c=Cbr> (< c=>Do mortgage registration but do not pledge the car< c=Cbr>)< c=>< c=Cbr>< c=>, pledge the car but do not pledge the certificate< c=Cbr>(< c=>Do not Mortgage registration, only cars< c=Cbr>)< c=>.
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cr>r..>< c=> Although the security factor of car pledge is high, it is not feasible in most areas (the borrower will not do it).
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cr>r..>< c=>The more popular approach is the second one: pledge the certificate but not the car (< c=> register the mortgage but do not pledge the car < c=Cbr>)< c=>, by installing < c=Cbr>< c=> to monitor the trajectory of the car, to achieve control of the collateral. But in reality, there are several common risks: First, if the borrower owes too much, he will maliciously stay away from the borrowing city, and then go to other places to be treated as a black truck. The second is if the borrower goes through the vehicle mortgage procedure and borrows money from you but does not have enough money, borrows money elsewhere, pledges the vehicle to the other party, and then overdues the loan. In such a situation, legally, although the mortgagor has the priority right to repay, the actual control of the vehicle is in the hands of others, and the possibility of eventually recovering the loan by disposing of the vehicle is very small. These situations are also common in the car loan industry.
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cr>r..>< c=>As for the third type, it is basically what is mentioned in the above situation&< c=>黑车< c=Cbr> &r< c=> processing method.
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cr>r..>< c=>Therefore, many stable platforms are cautious about car loan projects< c=>Many banks check the property when lending. Cars are not valued when proving< c=Cbr>< c=> This is the reason why few banks directly engage in second-hand car loan business.
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cr>.>< c=>How to invest in car loans< c=>Financial management platform< c>?
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cr>r..>< c=>For this type of platform, you can actually invest with confidence, but you need to be particularly cautious!< c=> Because it is high risk and high profit, the platform's own risk resistance ability is very important. In terms of operation mode, if funds are managed in custody, it is relatively more secure. Generally speaking, popularity should be the best guarantee for this type of platform < c=Cbr> (< c=> or this type of business < c=Cbr>)< c=>. You can invest boldly and always pay attention to the popularity. Variety.
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