Consumer credit is difficult appliances Guangdong farmers enjoy financial instit
Spend tomorrow's money, round today's dream.
This year, the country's efforts to stimulate domestic demand to further increase, household appliances
TM to
Pilot expanded
Bringing home appliances
Species increased, and the limit to rise substantially, continuously stimulated people nervous. However, the pocketbook is not enough drums, a lot of people can only hope that good policy sigh. In this case, consumer credit became limited purchasing power and ease of expanding consumer demand, together with the contradiction between the prescription.
However, the old saying goes, no doubt, but after missing the first space. The smooth implementation of consumer loans, in addition to update the concept of consumption, but also need to clear a lot of roadblocks.
Stone hills
Loans by credit rating
Year, the first consumer
Financial
China Banking Regulatory Commission approved the company was set up in Beijing, Tianjin, Shanghai, Chengdu trial operation. Consumer finance company is to individual residents for the purpose of providing consumer loans to non-bank financial institutions, including personal loans and general purpose consumer durables consumer loans, mortgages and car loans but does not include.
Before the establishment of the consumer finance companies, credit spending in the home appliance industry are nothing new, a few years ago
Suning
On with the banks to test the water in this area. Home appliances to the countryside policies in the wind constantly blows, the flowers of credit consumption appliances are quietly blooming in some rural areas.
It is understood that in 2009 the United Provinces of Jiangxi Provincial Department of Commerce introduced rural credit cooperatives, "bringing home appliances household consumer loans," credit rating through the local rural credit cooperatives, the farmers loans up to 20,000 yuan, a maximum period of 2 years loan interest rate than the small farmers with credit grades of the interest rate over the same period stood at 10%, in 2009 paid a total of 7.4996 million yuan consumer loans, home appliances to the countryside, this is known as the Ministry of Commerce, the National Appliance of credit creation.
Weifang, Shandong Province, on the previous letter had been classified as users, farmers loans to buy home appliances permit, each household an additional maximum of 3,000 yuan, "home appliances to the countryside," consumer loan line of credit; record did not participate in the credit assessment of Farmers need to buy home appliances, credit unions and village, "the two committees" contact list centralized reporting, unified within the approved 3,000 "home appliances to the countryside" consumer line of credit. Term of the loan within 2 years may be due to one-time payments or installments apply ways. Other areas in Shandong Province have similar appliances consumer credit business, which greatly spurred the local countryside appliances
Sell
.
Guangdong Status
Unsecured bank loans are not
"To build a house or marry the money on hand will be very tight. If you can enjoy the appliances of credit will certainly try." During the interview, many farmers are interested in credit consumption appliances. However, the South's rural newspaper survey found that farmers in Guangdong is difficult to enjoy the "credit to buy household appliances" treatment.
Recently, the South's rural areas reported as ordinary farmers call the Guangzhou rural commercial bank loans for consumer advice home appliances, the other replied No to conduct such business, and other consumer loans, such as housing
Decoration
The need to provide real estate license as collateral. The rural credit cooperatives and the four state-owned banks are also known not to carry out rural credit consumer appliance business.
"Lack of collateral, and guarantees the development of consumer credit in rural areas a major drag." South China Agricultural University, Economics and Management Professor Zou Fan pointed out that rural land is collectively owned by farmers as collateral for housing is difficult, with farmers income stable, high value credit risk, banks are unwilling to get involved. Famous home appliance expert Luo Qingqi that the appliance of credit line of credit is generally small, which also makes a number of banks were not interested.
And appliance dealers and banks or security companies to provide consumption loans model, due to high interest rates and monthly repayment pressure, has become the stumbling block of many rural consumers.
I am Mp3 Player Manufacturers writer, reports some information about ape bape shoes , ate brake pads.
Processing your request, Please wait....
