Strategies to financing of pawns The has a history of more than 1,700 years. Before the birth of China's modern banking industry, it was the main financing channels for the people, occupying a very important position in the aspects of regulation, promoting circulation, and stable society.
The as the earliest form of financial guarantee generated by humans and as an institution specializing in currency lending, as an inevitable product of socio -economic development, it has served the socio -economic economy for more than a thousand years. Social and economic status is constantly changing with historical conditions. As a special financing method in the financial industry and business, a marginal industry and business format. Different historical periods, the economic status and social influence generated under a country, a certain under a certain The social and economic system. With the continuous improvement and development of the market economy, the pawn continuously meets the people of our people (41.970, -0.50, -1.18%) and the different needs of SMEs by small and medium -sized enterprises. The deficiencies of the institution have become a useful supplement to the entire social financing system with the financial industry as the main body. Basic knowledge of the pawn service operation 1. Dangdang: Positive (customer) Entity certificate and ownership certificate of objects to be delivered to Dangdang businessmen. . Examination: Check the behavior of the businessmen and the relevant situation of the matter. . Estimation: The salesperson of pawn banks evaluates the price of the current price of things based on the commodity market. . Folding should be discouraged: The businessmen of pawn banks determine the amount of pawn amount according to the evaluation results and the household negotiation. . Write: Fill in the abbreviation of being a ticket. The previous industry terms are called "writing tickets", that is, after determining the amount of gold with the household consultation and the clear period and rate of expenses, the salesperson is filled in the ticket. Sign a loan contract. 6. Management: Also known as "saving". The businessmen of pawn in the pawn of the businessmen were paid to the same matter, signing face to face, and storing the objects in the warehouse for storage. Seven. Dangdang: The term industry term, that is, the distribution of gold, refers to the act of paying the households to pay for the households based on the amount of tickets. Also known as "Dangdang". Eight. Continue: Refers to the expiration of the duration of the duration, when the household cannot repay the principal, and the two parties will continue to be paid with the original object and renew the vote or contract. Commonly known as the "exhibition period", continuing to marked the continuation of the rights and obligations of both parties. . The redemption of redeeming the principle of repayment on time and redeeming the behavior. Thisy: It is common: commonly known as "death". After the 5th day of the period, the behavior of the household is neither redeemed nor renewed. The method of pawn financing borrowing The downtime process ① Customers (households) have valid documents to be delivered; The two parties agreed to evaluate the price, the amount of money, the pawn period, and the standard of the legal interest fee; Essence In this process, the two important The pawn trading rules need to be clearly needed: (1) The item stipulates the rules How many aspects of the current length and the cost of interest. Regarding any aspects of them, the household (borrower) has the right to put forward their own opinions in accordance with the law and reasonably, rather than the appointment of the pawn bank. If for the valuation of the Dangwu, the pawn bank usually evaluates the price that can be sold again according to its again, and considers the new and old degree and market conditions of items when valuations. (2) Comeon pre -deduction rules If according to the provisions of the Ministry of Commerce's Administrative Measures, the cost of funds paid by the pawn fund in my country includes pawn interest and pawn comprehensive expenses. The pawn comprehensive costs include various services and management costs. Article 37, paragraph 2 of this Measures: The "pawn and gold interest must not be pre -deducted." However, Article 3 stipulates that when households shall "pay a certain percentage of fees and obtain gold." That is, is actually a pawn comprehensive cost. In addition, in the "Turnive Instructions" of the National Unified Tickets approved by the Ministry of Commerce: "Comprehensive expenses include service, storage and other costs, and can be pre -deducted at the time." In the case of different things, the different types of pawns are different, and the households should be different from the formalities of pawn banks. (1) Ordinary production. Ordinary production classics refer to civilian life items such as precious metal jewelry, jewelry and diamonds, and household appliances. At that time, the household should pay the resident ID card, and some things need to be attached to a shopping invoice. (2) Automobile pledged pawn. At that time, the household should pay the owner's ID card, invoice, motor vehicle registration book, vehicle purchase surcharge voucher, the vehicle's validity period, road maintenance fee, tax payment certificate, vehicle tax payment certificate, etc. Vehicle commodity inspection forms, customs tariffs, imported car permits, etc. Finally, you should also go to the vehicle management department to go through the registration procedures for the pledge of motor vehicle. (3) Real estate mortgage. During mortgage, customers shall submit ID cards, hukou books, house ownership certificates, land use right certificates, house purchase contracts, house purchase invoices, deed tax paid certificates, etc. The should also go through the mortgage registration procedures in the relevant departments, and then go through the mortgage loan procedures. The advantages of pawn financing Where when people urgently need money to raise funds? This is a question that many people cannot avoid in reality. (1) The threshold for banks is relatively high, the threshold of pawn row is low and flexibly to do business. , Even leading economic losses. What should I do if I need funds urgently? I am afraid that many people will think of banks for the first time. But if you think about it, for individuals and individual industrial and commercial households, the bank's threshold is relatively slow. Although banks have continuously launched new financing products in recent years, including credit products, it also requires customers to have certain qualifications and some qualifications and Conditions. In fact, financing is a common topic. The financing procedures are complicated and the financing channels are not smooth. It has become a bottleneck that restricts the development of social development. The reason for the difficulty of loan is: the individual business benefits are relatively low, and the credit is generally not high. Banks issue loans to the outside world, and the use of loans of borrowers usually implement strict restrictions. It is not allowed to change their uses without allowing the other party to use him. To handle a mortgage of property, you need to go through complex procedures such as property evaluation, checking credit, looking at flowing water, registration, insurance, notarization, etc., involve many functional departments, and provide a variety of relevant information. For those who are accustomed to flexible individuals, This will undoubtedly bring great inconvenience. The biggest benefit of loan to banks is that cost interest is cheap, because bank loan interest rates are relatively low, and natural persons and individual industrial and commercial households can withstand. However, there is no free lunch in the world. The door of the bank is not open to anyone, and the procedures for proceeding to go through the loan are complicated and longer. . At the same time, because individuals and individual industrial and commercial households have the characteristics of small amounts, high frequencies, and urgent time, the bank's transaction costs and management costs of individuals and individual industrial and commercial households are relatively high. Under the premise of maximizing the main business goals, this affects the enthusiasm of bank loans. Banks issue loans to the outside world. Whether it is credit loans or guarantee loans, they must adhere to the "three investigations" system, that is, pre -loan investigation, loan review, and post -loan inspection, and implement strict loan operation procedures, especially to prevent instead of review. The bank recognizes people and recognizes it; and the pawn banks can borrow money by setting loans, and the deposit can be borrowed. (2) relatives and friends' love debts are in modern society. Because people's social relationships are generally very wide, many people often think of friends and relatives when they use money. They hope that relatives and friends can reach out at a critical moment. However, a lot of facts show that borrowing money from relatives and friends sometimes also leads to their own situation: grinding your mouth, running broken legs, looking at your face, and listening to gossip, but the results have been very effective, and even have a heavy humanity debt since then, and from then on It is difficult to pay off. (3) There are many issues of private lending The significant feature of the current private lending is that the interest rate is high, and most of them have become out of high interest loans. The emergence of folk high interest loans or invisible high -interest loans reflects the urgent needs of the majority of producers and operators in the development of the market economy, but it also seriously interferes with the normal financial order of the country, so it cannot be ignored. The negative effect. The private loan is not only high interest rates, but also emphasis on it. Because it is a kind of direct credit between private, it is often necessary to know the debtor, or relatives and friends, or colleagues, or never dare to take risks. On the other hand, in addition to considering factors such as the off -peak season, long term, capital supply and demand status, and inflation rate, the borrowing interest rates are considered, and This also specially affected by the alienation close relationship between the creditors and the debtor. Essence That is, those who are close to loans or may be profitable, while the alienated people refuse to loan or Gali, causing private lending to be carried out in a certain range of social groups. Debields often pay high interest rates and owe people's affection. It is the most difficult debt in the world. Therefore, at the time, when the work was getting busy and the humanity became lighter, modern urban people with thin face were even more reluctant to borrow money from others. After all, it is embarrassing by others. As a result, some people would rather go to the pawn. Mustonal lending is a financing method based on human relationships. Human conditions occupy a large proportion in the financing process. : If there is no money to borrow money, there are fake words, there are scams, and so on. . Therefore, compared with bank loans and private loans, it is relatively required to be in order to be in order. The most obvious comparison advantage of pawn is that it can change money with things and not owe. Therefore, pawn is the first choice when some people urgently need money. For the lack of money to find the pawns, under the market economy conditions, the functions of currency circulation are most fully demonstrated and exerted. Investment requires money, consumption also requires money, investment and consumption require more money. Only when people prepare money bags can they be filled with rice bags, vegetable baskets, and can go to school, see a doctor, and buy a house. Only by accumulating a certain amount of funds can enterprises do a good job of production and operation, and they can integrate the market without being eliminated. In a word, who lacks money this year is hard to travel. So, whether it is individual or enterprise, who will you borrow if you find a bank or a pawn bank? or using other financing channels to achieve the goal? nOn how to choose the pawn agency (1) Familiar with distribution At present, there are more than 8,000 pawnsoms in my country. Essence In order to enjoy the pawn service at any time, the pawn financier must recognize the portal. Generally speaking, you can obtain local or foreign desktop addresses through a pawn advertisement or news report published by newspapers and websites, so that you can compare different pawn banks and make the right choice. (2) Verification of qualifications This must be carried out with the Code of the Code. Therefore, a pawn financier should pay attention to verifying the statutory qualifications of the pawn bank of the transaction. Specifically, it is the "three certificates" that verify the pawn bank: the "pawn business license" issued by the Ministry of Commerce and the " "Special Industry Licensing Certificate" and "three certificates" issued by the "corporate legal person business license" issued by local industry and commerce administrative agencies are indispensable, otherwise there will be suspicion of non -bond. The development in the domestic pawn industry in recent years has shown that some SARS such as selling banks and second -hand commodity trading companies, such as the banner of pawn banks, engage in illegal business. Many social disputes have been brewed, which seriously interfere with the normal pawn trading order of some areas, and hinders the healthy development of pawn karma. These are undoubtedly alert to each pawn financier at all times. (3) Select the reputable pawn enterprise This must consider the corporate reputation of the pawnshop in the pawns trading, and deal with those who have good reputation and high reputation. Because the pawn is to change the money by things, when the household needs to transfer the ownership of the person to the pawn to obtain the gold, the choice of the pawn bank to talk about integrity is more conducive to the proper custody of the thing. It is more conducive to claiming the pawn. On the other hand, the pawn deeds of integrity often can consciously trade fairly with the households, not deceive or defraud, and abide by the principles of equality, voluntary, integrity, and mutual benefit in the practice of pawn practice, and abide by the professional ethics of the practitioners. These are indispensable for any normal pawn exchange, so pair of financiers should keep in mind. (4) Understand the nature of your own business The dwelling line is divided into size, qualifications, and each pawn financier must know as much as possible to understand the pawn bank that intends to trade with it. Legal business scope. The Ministry of Commerce's "Management Measures" clearly stipulates that the minimum limit of the registered capital of the pawn bank is 3 million yuan; if the real estate mortgage business is engaged in the real estate mortgage business The minimum capital limit is 10 million yuan. This shows that some pawns can only do general real estate pawn business, and cannot do real estate mortgage business or property rights. Therefore, the pair of financiers should prevent the wrong door and do not have the corresponding business capabilities. At the same time, even if the pawn bank has the right to operate some pawn or mortgage business, the pawn financier depends on whether it is proficient in these businesses. For example: Some pawnsor banks only operate real estate mortgage business, and they are not good at any business -based business. Other pawnsobues will only operate real estate such as cars, , they are usually not good at precious metal jewelry, jewelry and diamonds, famous watches and other real estate. Policy business. This requires that pawn financiers must find professional pawn banks to engage in pawn transactions, especially the real estate pawn transactions, otherwise it is difficult to ensure the quality of pawn transactions. Choosing a well -proper financing variety uses the pawn method of financing. Whether it is mass financing or individual industrial and commercial household financing, it should also choose the most suitable financing variety that suits you, so as to achieve the purpose of doing everything and more effort. 1. The choice of mass financing (1) Strong adaptability of precious metal jewelry. Among the more than 8,000 traversal banks across the country, more than 60%of the pawn banks can accept and be competent as precious metal jewelry. Therefore, ordinary public holding precious metal ornaments should generally achieve the goal. (2) Poor adaptability of jewelry diamond bond. At present, the holdings of jewelry and diamonds in our country are far lower than the holdings of precious metal jewelry. This determines that most of the domestic bonding lines lack the ability and experience of jewelry diamonds business. Poly -pawn transactions are often not accepted by pavilion. (3) The car is highly cost -effective. Because of the high value of the car, there is an advantage of pawn financing. With the popularity of cars, cars have a strong cost -effectiveness, especially the cars, especially the cars. Therefore, its long -term advantages will not shake, and it can also be pillar varieties in the pawn field. (4) The local tabletop is strong. The name of the name of the watch has a strong regional characteristics in mainland my country, that is, the business tables such as Shanghai, Guangzhou, Shenzhen and other places such as Shanghai, Guangzhou, Shenzhen are active. The place names of the place name are relatively lagging or even blank, so it is difficult for ordinary public to use the name of the name to make financing. 2. Selection of the financing of natural persons or individual industrial and commercial households (1) Real estate mortgage is increasingly heating up. my country's use of real estate mortgage methods to financing to Daren Bank is very popular. Among them, whether it is shops or houses, there is a large market capacity. All the standards in the country with statutory qualifications are also optimistic about the real estate mortgage business in various places. Therefore, the majority of ordinary people and pawn banks engaged in real estate mortgage transactions can be called a high -end business of pawn banks. It is extremely popular and is also the growth point of economic interests with sustainable development potential. expand. The use of idle products for bits have always been the common practice of some individual industrial and commercial households. However, in recent years, such a pawn market size has expanded. Such as: some batch clothing, shoes and hats; some refrigerators and electrical pawns; there are also some steel, famous wine, fish tank, fire extinguisher and other pawns. In short, all the materials that are not used for the time being have been tried to finance. This has continuously widen the scope of inventory materials. Whether it is a natural person or an individual industrial and commercial households, materials have been widely used. (3) The means of production still exists. Although the current situation of the use of production materials has gradually decreased, it has not disappeared. For example, some companies use raw coal and coke to be pained; some companies use soybeans and cocoons; and some companies use cotton, raw silk, porcelain soil and other pawns. These production materials have played the function of financing, adding bricks to the production and operation of these enterprises. The negotiation consultation in the pawn financing borrowing The use of the pawn method of financing should master some of the following operations, which is also an important part of pawn transactions: (1) Available in real estate. The valuation amount and the amount of gold shall be determined by both parties. That is to say, when the households are used for pawn items, how much money can be obtained after the discount after the valuation is discounted, it is determined by the households and pawn banks, and none of them can be imposed to the other party. . For example: Pools must not adopt violence or threatening means forcing others to be pawn, or infringe on the legitimate rights and interests of households with other improper means; Dang Gold. (2) Real estate mortgage. The valuation amount and loan amount of real estate shall also be determined by customers and pawn banks. . However, if the two parties cannot reach an agreement, the two parties can entrust a qualified real estate price evaluation agency for evaluation. The valuation amount can be used as a reference for determining the amount of loan. That is, when the real estate mortgage is mortgaged, the mortgage bid is evaluated by the professional evaluation agency as a third party. The pawn bank will determine its loan mortgage rate based on the evaluation price of the mortgage target and issue a certain amount of loans to the customers. The items that must be paid attention to In use of pavilion methods, pay attention to the following common problems: . How much is the problem of gold This people think that the Dangjin obtained at the time at the time was It should be more or less, which is actually a misunderstanding. From the perspective of pawn, the acceptance of pawn is not buying things but borrowing activities. Therefore, it cannot be paid at the original price of the pawn or at the evaluation price of the object. Or the mortgage rate is issued to the household, such as the value of ten or seven values, that is, the valuation of the object is 10,000 yuan, and the gold is 5,000 yuan or 7,000 yuan. Therefore, the psychological price of Danghu at that time should not be too high, but only a reasonable expectation value can be kept in . It's perspective, the application is not to sell goods but borrowing activities, so there is no need to deliberately pursue high gold, that is, the more gold is not as good as the amount of gold, because the higher the amount of gold, the higher the amount of gold, and the household pays the household payment. The higher the interest and comprehensive costs. Therefore, the amount of money should be determined according to the purpose of the pawn pawn, and the use is different. . The safety of the object of objects This households believe that the pawns delivered by the pawn at that time were safe and safe to keep it. This is actually another misunderstanding of the understanding. In fact, it is not absolutely safe to keep it in pawn. usually caused by the following situations: (1) Poor storage is not good. That is to say, the pawn does not fulfill the obligation to keep the proper custody, which will cause damage to the right. For example, the storage facilities of the pawn line are not in place, the custody technology is not hard, and the custody experience is not rich. (2) Dangdangxing uses the same thing. That is, the pawn line violates the laws and regulations and the rules of trading of the pawn, and uses it during the pawn period, which will cause damage. Such as: a car with a pawn of a pawn; watching the TV's TV set; wearing the precious metal jewelry, and so on. (3) Dangerous bank intentionally crime. That is, the law of the pawn to infringe the legitimate rights and interests of the household, so as to illegally occupy or cause the theft. , such as: The pawn of the pawn of the pawn is replaced by the pawn of the pawn. Therefore, when using pawn financing, households should have a sense of risk of damage and theft, and exercise their claims in accordance with the law when the risk of objects occur. . Trading costs Make in the trading costs of the use of pawn financing, including the incompleteness of interest fees, which is an important issue that needs to remind everyone to pay special attention. In addition, sometimes customers also bear corresponding fees such as real estate assessment fees, notarization fees for mortgage contracts, registration fees, and property insurance premiums. The as a special financing channel as a special financing channel played a significant role. Pools have allowed many private SMEs to obtain pawn loans through pawn assets, solve the urgent urgent of eyebrows, also revitalize stock funds, maintain reproduction, accelerate the commodity products, and accelerate the commodity. Circulation; convenient, fast, and flexible pawn loans have become the snow of ordinary people in the snow "and" night lanterns ". Going to the pawnshop financing has some advantages but also has its own disadvantages. Everyone must weigh the advantages and disadvantages. After all, there is no free lunch in the world. ;
Strategies to financing of pawns
The has a history of more than 1,700 years. Before the birth of China's modern banking industry, it was the main financing channels for the people, occupying a very important position in the aspects of regulation, promoting circulation, and stable society.
The as the earliest form of financial guarantee generated by humans and as an institution specializing in currency lending, as an inevitable product of socio -economic development, it has served the socio -economic economy for more than a thousand years. Social and economic status is constantly changing with historical conditions. As a special financing method in the financial industry and business, a marginal industry and business format. Different historical periods, the economic status and social influence generated under a country, a certain
under a certain
The social and economic system.
With the continuous improvement and development of the market economy, the pawn continuously meets the people of our people (41.970, -0.50, -1.18%) and the different needs of SMEs by small and medium -sized enterprises. The deficiencies of the institution have become a useful supplement to the entire social financing system with the financial industry as the main body.
Basic knowledge of the pawn service operation
1. Dangdang: Positive (customer) Entity certificate and ownership certificate of objects to be delivered to Dangdang businessmen.
. Examination: Check the behavior of the businessmen and the relevant situation of the matter.
. Estimation: The salesperson of pawn banks evaluates the price of the current price of things based on the commodity market.
. Folding should be discouraged: The businessmen of pawn banks determine the amount of pawn amount according to the evaluation results and the household negotiation.
. Write: Fill in the abbreviation of being a ticket. The previous industry terms are called "writing tickets", that is, after determining the amount of gold with the household consultation and the clear period and rate of expenses, the salesperson is filled in the ticket. Sign a loan contract.
6. Management: Also known as "saving". The businessmen of pawn in the pawn of the businessmen were paid to the same matter, signing face to face, and storing the objects in the warehouse for storage.
Seven. Dangdang: The term industry term, that is, the distribution of gold, refers to the act of paying the households to pay for the households based on the amount of tickets. Also known as "Dangdang".
Eight. Continue: Refers to the expiration of the duration of the duration, when the household cannot repay the principal, and the two parties will continue to be paid with the original object and renew the vote or contract. Commonly known as the "exhibition period", continuing to marked the continuation of the rights and obligations of both parties.
. The redemption of redeeming the principle of repayment on time and redeeming the behavior.
Thisy: It is common: commonly known as "death". After the 5th day of the period, the behavior of the household is neither redeemed nor renewed.
The method of pawn financing borrowing
The downtime process
① Customers (households) have valid documents to be delivered;
The two parties agreed to evaluate the price, the amount of money, the pawn period, and the standard of the legal interest fee; Essence In this process, the two important
The pawn trading rules need to be clearly needed:
(1) The item stipulates the rules
How many aspects of the current length and the cost of interest. Regarding any aspects of them, the household (borrower) has the right to put forward their own opinions in accordance with the law and reasonably, rather than the appointment of the pawn bank.
If for the valuation of the Dangwu, the pawn bank usually evaluates the price that can be sold again according to its again, and considers the new and old degree and market conditions of items when valuations.
(2) Comeon pre -deduction rules
If according to the provisions of the Ministry of Commerce's Administrative Measures, the cost of funds paid by the pawn fund in my country includes pawn interest and pawn comprehensive expenses. The pawn comprehensive costs include various services and management costs. Article 37, paragraph 2 of this Measures:
The "pawn and gold interest must not be pre -deducted." However, Article 3 stipulates that when households shall "pay a certain percentage of fees and obtain gold." That is,
is actually a pawn comprehensive cost. In addition, in the "Turnive Instructions" of the National Unified Tickets approved by the Ministry of Commerce: "Comprehensive expenses include service, storage and other costs, and can be pre -deducted at the time."
In the case of different things, the different types of pawns are different, and the households should be different from the formalities of pawn banks.
(1) Ordinary production. Ordinary production classics refer to civilian life items such as precious metal jewelry, jewelry and diamonds, and household appliances. At that time, the household should pay the resident ID card, and some things need to be attached to a shopping invoice.
(2) Automobile pledged pawn. At that time, the household should pay the owner's ID card, invoice, motor vehicle registration book, vehicle purchase surcharge voucher, the vehicle's validity period, road maintenance fee, tax payment certificate, vehicle tax payment certificate, etc. Vehicle commodity inspection forms, customs tariffs, imported car permits, etc. Finally, you should also go to the vehicle management department to go through the registration procedures for the pledge of motor vehicle.
(3) Real estate mortgage. During mortgage, customers shall submit ID cards, hukou books, house ownership certificates, land use right certificates, house purchase contracts, house purchase invoices, deed tax paid certificates, etc.
The should also go through the mortgage registration procedures in the relevant departments, and then go through the mortgage loan procedures.
The advantages of pawn financing
Where when people urgently need money to raise funds? This is a question that many people cannot avoid in reality.
(1) The threshold for banks is relatively high, the threshold of pawn row is low and flexibly to do business. , Even leading economic losses. What should I do if I need funds urgently? I am afraid that many people will think of banks for the first time. But if you think about it, for individuals and individual industrial and commercial households, the bank's threshold is relatively slow. Although banks have continuously launched new financing products in recent years, including credit products, it also requires customers to have certain qualifications and some qualifications and Conditions. In fact, financing is a common topic. The financing procedures are complicated and the financing channels are not smooth. It has become a bottleneck that restricts the development of social development. The reason for the difficulty of loan is: the individual business benefits are relatively low, and the credit is generally not high. Banks issue loans to the outside world, and the use of loans of borrowers usually implement strict restrictions. It is not allowed to change their uses without allowing the other party to use him. To handle a mortgage of property, you need to go through complex procedures such as property evaluation, checking credit, looking at flowing water, registration, insurance, notarization, etc., involve many functional departments, and provide a variety of relevant information. For those who are accustomed to flexible individuals, This will undoubtedly bring great inconvenience.
The biggest benefit of loan to banks is that cost interest is cheap, because bank loan interest rates are relatively low, and natural persons and individual industrial and commercial households can withstand. However, there is no free lunch in the world. The door of the bank is not open to anyone, and the procedures for proceeding to go through the loan are complicated and longer.
. At the same time, because individuals and individual industrial and commercial households have the characteristics of small amounts, high frequencies, and urgent time, the bank's transaction costs and management costs of individuals and individual industrial and commercial households are relatively high. Under the premise of maximizing the main business goals, this affects the enthusiasm of bank loans. Banks issue loans to the outside world. Whether it is credit loans or guarantee loans, they must adhere to the "three investigations" system, that is, pre -loan investigation, loan review, and post -loan inspection, and implement strict loan operation procedures, especially to prevent instead of review. The bank recognizes people and recognizes it; and the pawn banks can borrow money by setting loans, and the deposit can be borrowed.
(2) relatives and friends' love debts are in modern society. Because people's social relationships are generally very wide, many people often think of friends and relatives when they use money. They hope that relatives and friends can reach out at a critical moment. However, a lot of facts show that borrowing money from relatives and friends sometimes also leads to their own situation: grinding your mouth, running broken legs, looking at your face, and listening to gossip, but the results have been very effective, and even have a heavy humanity debt since then, and from then on It is difficult to pay off.
(3) There are many issues of private lending
The significant feature of the current private lending is that the interest rate is high, and most of them have become out of high interest loans. The emergence of folk high interest loans or invisible high -interest loans reflects the urgent needs of the majority of producers and operators in the development of the market economy, but it also seriously interferes with the normal financial order of the country, so it cannot be ignored. The negative effect.
The private loan is not only high interest rates, but also emphasis on it. Because it is a kind of direct credit between private, it is often necessary to know the debtor, or relatives and friends, or colleagues, or never dare to take risks. On the other hand, in addition to considering factors such as the off -peak season, long term, capital supply and demand status, and inflation rate, the borrowing interest rates are considered, and
This also specially affected by the alienation close relationship between the creditors and the debtor. Essence That is, those who are close to loans or may be profitable, while the alienated people refuse to loan or Gali, causing private lending to be carried out in a certain range of social groups. Debields often pay high interest rates and owe people's affection. It is the most difficult debt in the world. Therefore, at the time, when the work was getting busy and the humanity became lighter, modern urban people with thin face were even more reluctant to borrow money from others. After all, it is embarrassing by others. As a result, some people would rather go to the pawn.
Mustonal lending is a financing method based on human relationships. Human conditions occupy a large proportion in the financing process. : If there is no money to borrow money, there are fake words, there are scams, and so on.
. Therefore, compared with bank loans and private loans, it is relatively required to be in order to be in order. The most obvious comparison advantage of pawn is that it can change money with things and not owe. Therefore, pawn is the first choice when some people urgently need money. For the lack of money to find the pawns, under the market economy conditions, the functions of currency circulation are most fully demonstrated and exerted. Investment requires money, consumption also requires money, investment and consumption require more money. Only when people prepare money bags can they be filled with rice bags, vegetable baskets, and can go to school, see a doctor, and buy a house. Only by accumulating a certain amount of funds can enterprises do a good job of production and operation, and they can integrate the market without being eliminated. In a word, who lacks money this year is hard to travel.
So, whether it is individual or enterprise, who will you borrow if you find a bank or a pawn bank? or using other financing channels to achieve the goal?
nOn how to choose the pawn agency
(1) Familiar with distribution
At present, there are more than 8,000 pawnsoms in my country. Essence In order to enjoy the pawn service at any time, the pawn financier must recognize the portal. Generally speaking, you can obtain local or foreign desktop addresses through a pawn advertisement or news report published by newspapers and websites, so that you can compare different pawn banks and make the right choice.
(2) Verification of qualifications
This must be carried out with the Code of the Code. Therefore, a pawn financier should pay attention to verifying the statutory qualifications of the pawn bank of the transaction. Specifically, it is the "three certificates" that verify the pawn bank: the "pawn business license" issued by the Ministry of Commerce and the " "Special Industry Licensing Certificate" and "three certificates" issued by the "corporate legal person business license" issued by local industry and commerce administrative agencies are indispensable, otherwise there will be suspicion of non -bond.
The development in the domestic pawn industry in recent years has shown that some SARS such as selling banks and second -hand commodity trading companies, such as the banner of pawn banks, engage in illegal business. Many social disputes have been brewed, which seriously interfere with the normal pawn trading order of some areas, and hinders the healthy development of pawn karma. These are undoubtedly alert to each pawn financier at all times.
(3) Select the reputable pawn enterprise
This must consider the corporate reputation of the pawnshop in the pawns trading, and deal with those who have good reputation and high reputation. Because the pawn is to change the money by things, when the household needs to transfer the ownership of the person to the pawn to obtain the gold, the choice of the pawn bank to talk about integrity is more conducive to the proper custody of the thing. It is more conducive to claiming the pawn. On the other hand, the pawn deeds of integrity often can consciously trade fairly with the households, not deceive or defraud, and abide by the principles of equality, voluntary, integrity, and mutual benefit in the practice of pawn practice, and abide by the professional ethics of the practitioners. These are indispensable for any normal pawn exchange, so pair of financiers should keep in mind.
(4) Understand the nature of your own business
The dwelling line is divided into size, qualifications, and each pawn financier must know as much as possible to understand the pawn bank that intends to trade with it. Legal business scope. The Ministry of Commerce's "Management Measures" clearly stipulates that the minimum limit of the registered capital of the pawn bank is 3 million yuan; if the real estate mortgage business is engaged in the real estate mortgage business The minimum capital limit is 10 million yuan. This shows that some pawns can only do general real estate pawn business, and cannot do real estate mortgage business or property rights. Therefore, the pair of financiers should prevent the wrong door and do not have the corresponding business capabilities. At the same time, even if the pawn bank has the right to operate some pawn or mortgage business, the pawn financier depends on whether it is proficient in these businesses. For example: Some pawnsor banks only operate real estate mortgage business, and they are not good at any business -based business. Other pawnsobues will only operate real estate such as cars,
, they are usually not good at precious metal jewelry, jewelry and diamonds, famous watches and other real estate. Policy business. This requires that pawn financiers must find professional pawn banks to engage in pawn transactions, especially the real estate pawn transactions, otherwise it is difficult to ensure the quality of pawn transactions. Choosing a well -proper financing variety uses the pawn method of financing. Whether it is mass financing or individual industrial and commercial household financing, it should also choose the most suitable financing variety that suits you, so as to achieve the purpose of doing everything and more effort.
1. The choice of mass financing
(1) Strong adaptability of precious metal jewelry. Among the more than 8,000 traversal banks across the country, more than 60%of the pawn banks can accept and be competent as precious metal jewelry. Therefore, ordinary public holding precious metal ornaments should generally achieve the goal.
(2) Poor adaptability of jewelry diamond bond. At present, the holdings of jewelry and diamonds in our country are far lower than the holdings of precious metal jewelry. This determines that most of the domestic bonding lines lack the ability and experience of jewelry diamonds business. Poly -pawn transactions are often not accepted by pavilion.
(3) The car is highly cost -effective. Because of the high value of the car, there is an advantage of pawn financing. With the popularity of cars, cars have a strong cost -effectiveness, especially the cars, especially the cars. Therefore, its long -term advantages will not shake, and it can also be pillar varieties in the pawn field.
(4) The local tabletop is strong. The name of the name of the watch has a strong regional characteristics in mainland my country, that is, the business tables such as Shanghai, Guangzhou, Shenzhen and other places such as Shanghai, Guangzhou, Shenzhen are active. The place names of the place name are relatively lagging or even blank, so it is difficult for ordinary public to use the name of the name to make financing.
2. Selection of the financing of natural persons or individual industrial and commercial households
(1) Real estate mortgage is increasingly heating up. my country's use of real estate mortgage methods to financing to Daren Bank is very popular. Among them, whether it is shops or houses, there is a large market capacity. All the standards in the country with statutory qualifications are also optimistic about the real estate mortgage business in various places. Therefore, the majority of ordinary people and pawn banks engaged in real estate mortgage transactions can be called a high -end business of pawn banks. It is extremely popular and is also the growth point of economic interests with sustainable development potential. expand. The use of idle products for bits have always been the common practice of some individual industrial and commercial households. However, in recent years, such a pawn market size has expanded. Such as: some batch clothing, shoes and hats; some refrigerators and electrical pawns; there are also some steel, famous wine, fish tank, fire extinguisher and other pawns. In short, all the materials that are not used for the time being have been tried to finance. This has continuously widen the scope of inventory materials. Whether it is a natural person or an individual industrial and commercial households, materials have been widely used.
(3) The means of production still exists. Although the current situation of the use of production materials has gradually decreased, it has not disappeared. For example, some companies use raw coal and coke to be pained; some companies use soybeans and cocoons; and some companies use cotton, raw silk, porcelain soil and other pawns. These production materials have played the function of financing, adding bricks to the production and operation of these enterprises.
The negotiation consultation in the pawn financing borrowing
The use of the pawn method of financing should master some of the following operations, which is also an important part of pawn transactions:
(1) Available in real estate. The valuation amount and the amount of gold shall be determined by both parties. That is to say, when the households are used for pawn items, how much money can be obtained after the discount after the valuation is discounted, it is determined by the households and pawn banks, and none of them can be imposed to the other party.
. For example: Pools must not adopt violence or threatening means forcing others to be pawn, or infringe on the legitimate rights and interests of households with other improper means; Dang Gold.
(2) Real estate mortgage. The valuation amount and loan amount of real estate shall also be determined by customers and pawn banks.
. However, if the two parties cannot reach an agreement, the two parties can entrust a qualified real estate price evaluation agency for evaluation. The valuation amount can be used as a reference for determining the amount of loan. That is, when the real estate mortgage is mortgaged, the mortgage bid is evaluated by the professional evaluation agency as a third party. The pawn bank will determine its loan mortgage rate based on the evaluation price of the mortgage target and issue a certain amount of loans to the customers.
The items that must be paid attention to
In use of pavilion methods, pay attention to the following common problems:
. How much is the problem of gold
This people think that the Dangjin obtained at the time at the time was It should be more or less, which is actually a misunderstanding. From the perspective of pawn, the acceptance of pawn is not buying things but borrowing activities. Therefore, it cannot be paid at the original price of the pawn or at the evaluation price of the object. Or the mortgage rate is issued to the household, such as the value of ten or seven values, that is, the valuation of the object is 10,000 yuan, and the gold is 5,000 yuan or 7,000 yuan. Therefore, the psychological price of Danghu at that time should not be too high, but only a reasonable expectation value can be kept in
.
It's perspective, the application is not to sell goods but borrowing activities, so there is no need to deliberately pursue high gold, that is, the more gold is not as good as the amount of gold, because the higher the amount of gold, the higher the amount of gold, and the household pays the household payment. The higher the interest and comprehensive costs. Therefore, the amount of money should be determined according to the purpose of the pawn pawn, and the use is different.
. The safety of the object of objects
This households believe that the pawns delivered by the pawn at that time were safe and safe to keep it. This is actually another misunderstanding of the understanding.
In fact, it is not absolutely safe to keep it in pawn.
usually caused by the following situations:
(1) Poor storage is not good. That is to say, the pawn does not fulfill the obligation to keep the proper custody, which will cause damage to the right. For example, the storage facilities of the pawn line are not in place, the custody technology is not hard, and the custody experience is not rich.
(2) Dangdangxing uses the same thing. That is, the pawn line violates the laws and regulations and the rules of trading of the pawn, and uses it during the pawn period, which will cause damage. Such as: a car with a pawn of a pawn; watching the TV's TV set; wearing the precious metal jewelry, and so on.
(3) Dangerous bank intentionally crime. That is, the law of the pawn to infringe the legitimate rights and interests of the household, so as to illegally occupy or cause the theft.
, such as: The pawn of the pawn of the pawn is replaced by the pawn of the pawn. Therefore, when using pawn financing, households should have a sense of risk of damage and theft, and exercise their claims in accordance with the law when the risk of objects occur.
. Trading costs
Make in the trading costs of the use of pawn financing, including the incompleteness of interest fees, which is an important issue that needs to remind everyone to pay special attention. In addition, sometimes customers also bear corresponding fees such as real estate assessment fees, notarization fees for mortgage contracts, registration fees, and property insurance premiums.
The as a special financing channel as a special financing channel played a significant role. Pools have allowed many private SMEs to obtain pawn loans through pawn assets, solve the urgent urgent of eyebrows, also revitalize stock funds, maintain reproduction, accelerate the commodity products, and accelerate the commodity. Circulation; convenient, fast, and flexible pawn loans have become the snow of ordinary people in the snow "and" night lanterns ". Going to the pawnshop financing has some advantages but also has its own disadvantages. Everyone must weigh the advantages and disadvantages. After all, there is no free lunch in the world.
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