asked for a bank card for a year's flow, and asked for a photo of the procedures for two cars under Xing Yu's name.

"Brother Xing, you can do this flow, but the account is posted too quickly, or maybe I can handle a larger amount for you. Zhang Chaoyang looked at Xing Yu's flowing water and said.

"What does it mean to post a statement?" Xing Yu knew very little about this aspect, except for credit cards. I knew that the classic car club that I had invested in countless efforts was lost by Lao Ma borrowing a high x loan.

Zhang Fengyang began to popularize some simple financial knowledge to Xing Yu, what is borrowing, what is the national benchmark interest rate, and what is consumer credit......

"Yes, it's not the son of a cultural boss. But how can the son of a cultural tycoon go to junior college. Xing Yu heard it in a fog, but he didn't forget to hit Zhang Fengyang, what happened to the situation, and it was still displayed in front of the master?

"Who told you that I am a junior college, I am also a serious undergraduate, and my father is going to send me to study in the UK. Besides, who told you that your father is a cultural boss. Zhang Fengyang tried to defend himself.

"You said that your dad drove a Jaguar, either selling newspapers or making movies, our Internet upstarts all drove Bentleys, and the Bentleys sitting in the morning sunrise were all Bentleys. Xing Yu also joked: "Do you know what Jaguar means? Jaguar."

Just A Guess U Are Rich I guess you're pretty rich."

"You sell cars yourself, do you believe that? How many reliable ones, you didn't say that you still want to get a BMW 330 to drive. Look at you, you're not arrogant. Zhang Fengyang returned.

BMW?Break My Window (this is the world's most famous BMW nickname, a household name in English-speaking countries)

Bring More Women

Hook up more women (I like it)

At this time, Xing Yu learned that Zhang Fengyang's father was from the banking system. I haven't said it before, you don't say who knows?

That night, Xing Yu began to inquire about finance-related knowledge on the Internet, and had several financial trainings on car mortgages in 4S stores before, but unfortunately at that time, the audit procedures were eight or nine major items? How long did the audit cycle plus the loan cycle take? Seven or eight days or half a month?

The advance procedures are cumbersome, and the loan cycle is long. It was one reason why finance did not work at that time, and another reason was that it was not recognized by customers. Why take out a loan, I came to see this car to prove that I have money. I don't have any money, I look at any car.

Learning basic knowledge is a habit that Xing Yu has developed before, the car learns from the mechanical principle, the auto repair starts from the screw school, and the sales starts from the process. Now I encounter finance that I don't understand, but I can't find any sales materials. It can only be learned from the terms of various professions.

After watching it all night, he asked Zhang Fengyang sleepily the next day: "Is there a installment of a new car, and is there a second-hand car?"

"Yes, but we haven't heard of it, and the banks don't want to come to the market. Zhang Fengyang was also confused.

"Then why did you come here, aren't you a child?" Xing Yu joked.

"To tell you the truth, I'm going to take the graduate exams over there. It's too boring to be idle, so I just submitted a few resumes, and I want to recruit here, and I think I can also practice driving and come. ”

This really can't be compared, people don't have to worry about food and clothing, but they just mess around, and it's strange that they don't study hard.

Xing Yu has been inquiring in the market for a long time, and indeed no one has heard of a staging. Most people will ask rhetorically, who is going to do this? Even if the drivers of the big trucks have it, they have to hang it under the name of the team.

If you buy a car, who wants to buy the car you buy and return it to someone else's account. What is the difference between this and marrying a daughter-in-law and having someone else on the marriage certificate.

China's auto finance industry sprouted in 1995. In order to stimulate the demand for automobile consumption and change the situation of sluggish automobile consumption, automobile manufacturers represented by SAIC Motor have joined hands with state-owned commercial banks to carry out automobile consumer credit business. However, due to lack of experience and frequent problems, the People's Bank of China directly stopped the auto credit business in 1996.

With the explosive growth of private car sales from 2000 to 2003, consumer loans for automobiles also showed a rapid growth trend, from 400 million yuan in 1999 to 183.9 billion yuan in 2003. As a result, the main body of auto consumer credit has also expanded, shifting from state-owned banks to joint-stock banks.

Auto loans have become one of the main ways for commercial banks to improve their consumer loan business, stimulating competition among banks, and commercial banks monopolize the auto finance industry.

It was not until 2000 that the People's Bank of China (PBOC) promulgated the Measures for Enterprise Group Finance Companies, allowing auto finance companies to carry out auto consumer credit. The prototype of auto consumer finance is gradually taking shape.

In 2003, the hidden dangers of low car prices and imperfect credit system were highlighted, and a large number of bad debts of auto credit appeared. Banks have stepped up risk control, the pressure on insurance claims has increased sharply, and the auto consumer credit business has shrunk sharply. With the further increase of risks, in 2004, the China Insurance Regulatory Commission called the parking loan insurance business, and the domestic auto finance industry once again came to a standstill.

In order to solve the problem of shortage of funds, auto finance companies are in the spotlight. Under the pressure of slowing auto sales, inventory growth, cold consumer enthusiasm, and shrinking auto loan business, auto manufacturers and dealers are eager to break the deadlock by funding channels other than commercial banks, and the emerging model of auto finance companies has also attracted attention.

In 2004, the "Measures for the Administration of Auto Finance Companies" was promulgated, clarifying the relevant policies of auto finance companies, and our auto finance companies appeared. There are some relatively formal ones in China

There is also a legend that Xing Yu only heard about later. In the past, there was a large company in the province that acquired almost all of the cement market in the province, and it also had its own factory for parts for heavy trucks, as well as a resource plan for foreign trucks, and also acquired a lot of automobile-related industries in other provinces and cities.

From production, to sales, to maintenance, to the source of goods. With a guarantee, the entire industry can be said to be a closed loop. At first, the reason for doing auto finance was very funny, that is, I felt that my cement was selling very well, but unfortunately the transportation capacity on the market was too poor. Hiring a driver is troublesome, and you have to bear the depreciation of the vehicle for the rest of your life.

So I slapped my head and came up with such an idea. You have driving skills and are locals. You can come to me and drive, give me a part of the car in front, and pay me the rest back every month. I still provide you with the cargo business, and the same income as the outside driver.

What is the car repair is originally in my place, if you can get a discount on the loan vehicle, don't worry about not working, the production in my factory is in short supply, and you are a loan vehicle can also enjoy the policy of giving priority to pulling goods.

Moreover, using their own company qualifications, they also use the procedures of these vehicles as collateral. It also obtained secondary financing from the capital market to invest in other more profitable places.

It can also be regarded as the prototype of renting instead of buying cars in China, and until many years later, trucks have been in the form of renting instead of buying. Shanghu is just the name of the company, that is, some car dealers say that they have married their daughters-in-law, and the marriage certificate is someone else's name.

There has been no product in the market that can handle installments. Zhang Fengyang suggested that he could help apply for a credit card and then buy a car with the card.

was vetoed by Xing Yu, buying a car is an impulsive consumption, whether it is a new car or a used car, most people decide on it with a pat on their heads. What if someone else wants a car in these days? What if the customer doesn't want a car?

Xing Yu's own credit card was originally guaranteed to be 100,000 yuan, but in the end there was only more than 50,000 yuan. If you encounter this situation when buying a car, who will make up for the remaining 50,000 loopholes?

Therefore, Xing Yu still has a lot of distrust about the use of credit cards in installments to buy cars.

This matter was put on hold because there was no good solution around.

On this day's rest, Zhang Fengyang wants to experience the speed and passion. It just so happened that there was a competition in Weishui Park, although Xing Yu was not as familiar with the off-road car circle as he was playing sleeping cars. But his MK2 is also out of the limelight in the forum, and there are many people who flatter themselves as gods, and today the gods are going to show up, go and brush up on the lap time.

Young people are not vigorous and unassuming. Besides, we don't have the vigor to fight, it's just that the big boy has a favorite toy and shows it in front of the children.

Because Wang Lili, who has been neglected for a long time, let's call it together this time to play. It's not in vain that Wang Yong is talking every day, Wang Yong has been angry with Xing Yu recently, why are there such stingy people, the Cherokee won't let go, the motorcycle won't let him ride, and he won't change the newly acquired BMW 5 to this Jetta.

Xing Yu secretly complained in his heart, is that me stingy? Who has ever seen the direction of using pneumatic shock absorption to think of indescribable things that can save a little effort?

Who can say that the great multiplier of motorcycles is unstable and needs indescribable things to try?

Can such a person feel at ease when he borrows his own car? Who doesn't worry about unspeakable damage to their car? What's more, Xing Yu himself has not tried it. Why lend it to you the first time?

Lying low, Xing Yu basically didn't use it. The road is so uneven that a brick can become an obstacle when lying low. That's why Xing Yu has to spend a lot of money to build pneumatic shock absorbers.

The stereo in the car is JBL, and the subwoofer is removed from other acquired cars. Second-hand car people, such external subwoofers, car seat covers, and car interior mats have always been not lacking.

This is all in order to restore the original state, and these things that do not belong to the original factory will be removed during maintenance. I won't throw it away if it's in good condition, and when the price can't be negotiated, I'll send you these to offset the price.

The Weishuiyuan Circuit is currently the only racing venue in the city. Of course, it's mainly designed for motorcycles and go-karts. There are a lot of corners and short straight lines, which are not suitable for high-horsepower cars, so the main champion winners in these years are - Suzuki Swift.

Of course, because the competition is not regular, there are a lot of Suzuki Swifts mixed in it, and the shape of the Suzuki Swift is the same, and the machine chassis is very different.

There is only a difference in details in the appearance, but inside it is a real small steel cannon. The Suyite and the Swift we are familiar with are actually Suzuki SWIFT models, but the Suyite Sport Edition is based on the overseas third-generation SWIFT, while the Changan Suzuki Swift on sale is based on the overseas second-generation SWIFT.

There are obvious words on the tail compartment of the speedy wing special sports version, it doesn't matter if you can't see it clearly, the bilateral single exhaust pipe below is highly recognizable, and the sense of performance is full, but the sound can still be more high-profile. The screen size in the center is larger than that of the average Swift, and there are more interfaces such as a booster gauge, oil temperature, G-value, power output, and throttle opening.

The essence of the sports version is to have the original factory fully strengthened configuration, the speed wing sports version is no exception, compared with the general model, the chassis anti-roll bar, springs, bushings and brakes are exclusive parts, and replaced with Monroe OEM front and rear shock absorbers, improve cornering ability and stability at the same time, driving the speed wing special sports version is not burdensome, short wheelbase car through the pothole will inevitably have a sense of bouncing, but not stiff, and have a clear sense of the road.

Of course, insiders look at the doorway, and laymen look at the liveliness. Again, there aren't many people who really understand cars. A few years ago, when he was in the classic car club, Xing Yu once participated in a straight-line acceleration race security activity organized by Hong Yeshan's junior brother.

One race was a race with an Infiniti QX56 and a Porsche Cayenne 3.0t.

There were two traffic policemen next to him who asked: When did Chery build such a big car?

The companion also said: I don't know, the one next to me is Porsche's. How can we compare together? I bet Porsche will win.

As a result, the QX56 won, and driving skills are an important aspect, but the v8, 5.6 displacement burst out of 441 horsepower, is not 3.0t, 333 horsepower v6 can match.

In the straight-line acceleration race, the two cars are compared together, and then see who takes the least total time. In order to increase the objective sensory experience. The large SUV Infiniti QX56 has no choice, and can only be compared with the Cayenne, a medium and large SUV.

The parking lot next to the stadium is as lively as ever. Most people come here to see the novelty, and there are also many famous luxury cars and supercars.

These cars are rarely on this track, so many corners seriously affect the play of high horsepower, and the technical test is also very strict. The most conscientious thing about the racing track is that the parking lot is very flat. There are no speed bumps except for the entrance.

Xing Yu also used the lowest posture to drive with confidence. There are a lot of people around, and everyone lifts up the hood, or the tailgate opens, or shows you what I replaced with the intake and exhaust, turbocharging, or show you how good the sound behind my car is.

The Jetta drove over, and at first not too many people paid attention. Xing Yu parked the car and began to pretend to start checking the chassis, one would be raised, and the other would be lowered.

It soon attracted the attention of the people around him.

Tang San Chinese Network