In developed countries in Europe and America, the Lease (financial leasing) model is not only an important part of the auto finance business, but also a very popular means of auto marketing. Currently, cars sold in the United States using auto finance leasing have reached 35% of car sales. And cars sold in this way in Germany account for nearly 50% of the local auto market.
In February this year, 200,000 passenger cars were sold nationwide, a year-on-year decrease of 80%. In the current epidemic situation, how to drive car sales and develop new markets for car consumption? The financial leasing model has high hopes for the auto market in 2020.
Car financing lease refers to the lessor, according to the lessee's application, to the dealer designated by the lessee, according to the conditions agreed by the lessee, to purchase the car designated by the lessee, and on the condition that the lessee pays the rent, the vehicle shall be occupied, The right of use is transferred to the lessee.
In short, it is a form of car purchase in which the lessee first obtains the right to use and possesses the car, and then pays the monthly rent to obtain the car ownership after the lease expires. 
It is different from the traditional financial loan to buy a car. It is a new model of car purchase with rent and purchase, which separates the right to use the car from the ownership. Users can obtain the right to use the car by paying the rent on a regular basis, and then pay the rent monthly, after the lease expires The customer can choose to purchase the vehicle according to the residual value of the vehicle. During the car rental, the ownership of the car belongs to the auto finance company. When the lease expires, the ownership of the car belongs to the customer. The advantage of financial leasing is that it can transform potential customers who do not have the ability to buy cars into real consumers.
To this end, Hurongyun also integrated the entire business process of auto financing and leasing, including the entire process management of lease application, lease approval, post-lease management, leased vehicle management, customer registration, contract management, and vehicle follow-up records. It has truly realized the fully automated process management of financial leasing companies, and the powerful functions of information collection, risk warning, project quality control, and asset management have facilitated vehicle leasing companies to better manage and control their business.
Leasing business process
Direct lease means that the lessee submits the vehicle leasing application to the automobile finance leasing company. After passing the qualification review, it signs a contract with the finance leasing company and pays the down payment, risk deposit and service fee; the finance leasing company will select the vehicle selected by the lessee ( New car) rental.
During the lease period, the property rights of the vehicle belong to the financial leasing company; the lessee needs to pay monthly rent. After the lease period expires, the financial leasing company transfers the vehicle to the lessee, and the property rights belong to the lessee.
Sale and leaseback business process
After sale and leaseback, the lessee sells its own vehicle to the lessor, at the same time signs a financial lease contract with the lessor, and then leases the vehicle back from the lessor. The sale and leaseback business is a financial leasing method in which the lessee and the car dealer are the same party.
Advantage No.1 supports a variety of cost participation loan solutions
In addition to car prices, car financing business can participate in financing, as well as vehicle insurance, purchase tax, GPS rent, licensing fees, boutique and other costs can choose whether to participate or not, all the costs of participating and financing are the final financing amount of the customer.
Advantage No. 2 supports full process follow-up management of leased vehicles
The system supports full-process management of leased vehicles. The normal and abnormal business line processes of the entire vehicle finance leasing business form closed-loop management.
Advantage No. 3 supports multiple repayment functions
Early repayment: The system supports early repayment at any point in the entire lease period.
Down payment renewal: The system supports customers to repay the last payment due to the last payment.
Repayment collection: The system supports customers who are about to expire and have expired, and collect collections in different ways (SMS, email, phone, etc.).
Overdue management: The system supports customers who have been overdue to automatically calculate the overdue fee, and customers who are not overdue will collect and follow up.
Advantage No.4 custom mode realizes multi-dimensional financing scheme
System product configuration: Different products can be configured with different repayment methods, repayment periods, repayment options, and financing options under the mode of penalty payment.
Advantage No. 5 supports channel rebate management
Car dealers: support the management of special agents and channel dealers for rebates and commissions;
Individuals: Support the management of rebates and commissions for brokers and business partners;
All types of rebates and rebates are managed by a separate ledger, which greatly improves the convenience of financial consolidation.
Because the investment and financing parties of the Internet Department have strong database advantages, cloud publicity advantages, and absolute advantages in creating a closed-loop ecosystem online and offline, they have become the most popular among young people in recent years. Long-term research has found that Internet-based auto finance leasing companies are growing rapidly, or will rely on their active business performance capabilities and amazing business expansion scale to break the originally balanced financial leasing market and become a trump card for the rapid recovery of the auto market after the outbreak.
