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Since the birth of P2P, China's P2P is in the situation of crossing the river by feeling the stones. From the early copy of the US pure online model, to the current multi-model coexistence, the online lending industry has gradually matured. At present, various business models such as car loans, credit loans, mortgages, and corporate loans are gradually emerging. Among them, car loans have become one of the representative businesses of the online loan industry, which can be said to be the most mature mode of the online loan industry.
In the early stage of the establishment of the platform, P2P online lending platforms are mostly based on credit loans. Credit loans refer to loans that are unsecured or pledged, and the amount of a single loan item is often low. Although this model is very popular among small and micro enterprises, such enterprises often have problems such as unclear accounts and enterprise flow, and no professional financial personnel to manage accounts. The current main means of reducing the bad debt rate can only be screened by experienced local credit officers. Due to the existence of personnel, cost constraints and various types of differentiated risk control environment, it is difficult to achieve streamlined and large-scale implementation.
In contrast, although the mortgage that is the same as the mortgage (pledge) loan does not have the above problems, it involves a large amount, and once the project is bad, it cannot be underestimated. Unlike bank loans, most of the mortgages in the P2P industry belong to the bridge business. The borrowers use the real estate as the guarantee to carry out the capital turnover. In theory, the mortgage business is a collateral-type business, the borrower's default cost is high, and the model is relatively mature, the labor cost is also low, and the cost of risk control is much lower than that of credit. However, the amount of a single loan is relatively large, often tens of millions or even millions. Once the borrower defaults, it may create large overdue or even bad debts. Moreover, banks or trusts often have priority in processing assets relative to P2P platforms.
The car loan model also avoids the disadvantages of the above two.
At present, the car loan business mainly refers to the mortgage or pledge loan of the used car market. The borrower uses his own vehicle as a collateral to secure the loan.
Relative to credit loans, car loans are pledged or pledged. It is easy to handle after overdue or bad debts. For mortgages, the amount of individual car loans is small. Even if a single bad debt occurs, it will not have a big impact on the platform.
Although the size of the car loan industry may not be comparable to the former two, the industry market is still expected. At present, the domestic second-hand car market is relatively stable. Not only is the price relatively open and transparent, the evaluation is relatively easy, and the industry demand interface is large, which is in the golden age. According to statistics, only the number of used car transfer in Beijing last year reached 705,600, which is far more than the new car trading volume, and its market activity is evident. On this basis, second-hand cars are not sold out. Even in the event of bad debts, pledge vehicles can be realized in the short term and will not cause long-term losses to investors and vehicle mortgage platforms.
Take the domestic P2P platform gold bridge that focuses on car loan pledge. For example, Jinqiao is the first P2P information intermediary platform in China that uses pure car pledge as its main business. Its unique pledge mode, vehicles must be left in storage. Once the borrower defaults, the pledge vehicle can be immediately auctioned. Identification documents (consistent with collateral, payee), loan contract, vehicle transfer contract, receipt of receipt, physical photo (inside, outside, car key), vehicle evaluation report, vehicle acceptance report, transfer flow, etc. All of them have been shown in detail. With its extreme transparency, it has won the trust of investors.
Car loans are undoubtedly the most mature P2P business model. The car loan pledge mode doubles its safety. In fact, finance makes consumers' cars and lives more close together. Rather than pessimistically comparing auto finance to the last straw in the development of the auto industry, it is better to actively consider it as another lever to incite the development of the industry.
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