New " method " emphasize with " stimulative car sale and buy " the finance that is core serves, car banking firm begins car financing to rent directly become a possibility

Origin: Engage by special arrangement of car person magazine contributes: Wang Xun

The policy that is based on a country to go to industry of Chinese car banking is oriented, the getaway that our country begins car financing to rent business permissibly truly is later and progress is slow, these come from the obstacle on legal laws and regulations, it is to bring about financing of our country car to rent did not begin the main reason that rise.

It is before 1990, the car of our country is rented basically is to manage rent, because have the treasury department from 1986 with respect to Ceng Fawen, forbid financing to rent a car. To 1997 Ministry of finance of the end of the year issues announcement regulation again, can administer a regulation according to what control social group purchasing power only, the newspaper that presses a regulation approves program and capital channel to deal with buy formalities, must not covert with the financing means that rent sale car, must not do sell in order to hire era. Accordingly, car financing of China rents business later than the developed country nearly half century.

All the time since, the country rents financing include the category that must superintend by the bank, the renting company of the orgnaization of finance of main dispute bank that the Central Bank allows to manage financing to rent, fiducial investment firm, financial company and asset run a company. And to car financing the business that rent is told, can rent a company to manage by the financial company of large car group and finance. 1993, the financial company of heavy steam group begins to deal with heavy-duty car financing to rent, this is the car financing that the country approves formally rents business, can be being regarded is the getaway that home begins car financing to rent. But, the financing of the car rents business progress is slow.

Financing of our country car is rented did not begin the consideration that rise, basically depend on the obstacle on legal laws and regulations. The legal feature that financing rents is buy a car to rent tenant is used by lessor, it is consequently in the financing contract that rent, the car buys a person namely droit person is lessor, car ownership is belonged to buy buyer to hire a firm namely, according to our country " motor vehicle registers administrative measure " regulation, conduction motor-driven car registers card, travel card and nuclear hair plate to must be dealt with by droit person. And whether by the company that rent conduction car registers formalities, rent car tenant is used again next, do not have specific provision all the time. Issue bill to the company that rent as a result of the manufacturer, tenant does not have car ownership, formalities cannot be dealt with by tenant again. And if issue bill to tenant directly, deal with all formalities by tenant, no matter the file data such as the bill, plate, card that register shows car ownership is in,rent period inside belong to tenant, ownership of this car in renting a contract with financing attributes lessor photograph contradiction. Additional, if tenant is in different ground with the company that rent, conduction car formalities can encounter apanage problem again.
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