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4S shop get together, the overall level of construction is high
The reporter visited 8 dealerships of heavy truck companies in Zhengzhou, including 5 4S stores (FAW Jiefang, China National Heavy Duty Truck, Chongqing Hongyan, Foton Motor, Jianghuai Gealfa) and 3 2S stores (Shanxi Zhongqi and Dongfeng Commercial Car, Valin car). These dealerships, like other cities, have chosen to approach the National Highway 107 along the site. This has also made the dealerships of the heavy truck companies appear to be getting together. Even within a distance of 1 km, there are 2-3 The same brand of dealerships is extremely competitive. From the perspective of the level of construction of these stores, the overall level of construction is high, and the facilities in the stores are also tidy and tidy. In particular, China National Heavy Duty Truck and the FAW liberation are both atmospheric and distinctive in these dealerships. China National Heavy Duty Truck not only followed its own blue design, but also displayed its own five heavy-duty trucks in a tall exhibition hall. The biggest feature of the FAW Liberation 4S shop is its display of its heavy-duty trucks on a stone counter at the front of the store, which is very attractive to people.
High overall service level, lack of long-lasting enthusiasm
Among the eight dealers visited by reporters, when reporters walked to the front of the store, most of the dealerships were able to have staff members come out in time to meet reporters, ask reporters about their needs, and send reporters to the store to learn about product information. In the Dongfeng commercial vehicle dealership, the staff also handed a glass of cold water to reporters and blocked the reporter’s high temperature of 38°C.
However, few of these dealerships are able to maintain a long-lasting enthusiasm for reporters. The time spent on receiving reporters is very short. Apart from giving reporters basic product information and loan business, many staff members will immediately leave once other customers arrive. Reporter, rush to meet other customers. This lack of continuing enthusiasm may also be related to the fact that there are fewer staff in the heavy truck distribution stores. Only the staff of the Hongyan 4S store in Chongqing exchanged views with reporters for half an hour. They asked the reporter about the need for a car, where to apply for a license, and gave the reporter a detailed list of loans. When other customers arrived, he did not leave the reporter. Instead, he called the other staff in the shop to meet him.
Some of my own products are rare
Each of the heavy truck dealership staff is very familiar with their own products. From the technical characteristics of the products to the use performance and load capacity of the products, they are able to blurt out. In terms of price, each dealer has a small list in his hand, which records the prices of different configurations and different types of vehicles. When reporters report the required models and parameters, they can immediately find the corresponding price quotes for reporters. When the reporter asked about the carrying capacity of the vehicle, the staff of Foton Motor also hired a customer who used his product for a long time to introduce the use of the vehicle to reporters.
Product coloring page is not updated
Although some of the product brochures were prepared at these dealerships, the staff members stated that they did not have the latest information on the many new models that the reporter asked. In the distribution shop of Shaanxi Heavy Duty Truck, the DeLong products equipped with Cummins engines only have their own propaganda boards. The detailed information can only be copied by reporters themselves. In other dealership stores, the promotional page of some models is not complete, only relevant information of some products is provided. At the Dongfeng dealership, the reporter saw a leaflet containing information on all products and promotional materials for Dongfeng Commercial Vehicles. Although it did not allow journalists to take away, it also provided reporters with a lot of convenience.
Mortgage loans are not exactly the same
In the eight dealerships visited by reporters, in addition to the liberation of FAW, other dealerships have told reporters that they can apply for mortgage loans. In their introduction process, the staff of Chongqing Hongyan introduced the most detailed, not only to explain to reporters the cost of each expense, but also for the reporter listed a list for the reference of the reporter. There are also some corporate personnel who simply dealt with the reporter’s inquiries and hurriedly left to do what they were doing. According to the reporter’s understanding, the dealer’s handling of loans is mostly handled through local banks. Usually the down payment is 40%, and then a variety of handling fees and security deposits are charged. In general, the average car buyer must pay 65% ​​of the entire vehicle payment. Apply for a loan.
Relevant information: List of financial mortgage service policies for heavy truck companies
FAW Liberation
On its official website, the reporter found the introduction of the consumer credit business and stated that after the buyer has applied for an application, provided guarantees and mortgages, he can go to the bank to apply for a mortgage, and finally pick up the vehicle. However, during the interview, the relevant person in charge of the FAW Liberation Marketing Department stated that at present, the company does not do well in this business and does not encourage the development of mortgage business. The 4S shop staff in Zhengzhou also said that they currently do not handle financial mortgage business.
Dongfeng Commercial Vehicle
A person from the Dongfeng Commercial Vehicle Market Sales Headquarters told the reporter that Dongfeng Headquarters has its own financial company. Each year, the Finance Company will provide financing training for dealers. The Finance Company also provides support for dealers in various areas of financial mortgages to help customers manage consumer financing. .
China National Heavy Duty Truck
The head of China National Heavy Duty Truck Sales Company stated that Sinotruk’s financial company also has financial services externally, but mainly focuses on the distribution network of heavy trucks. At the same time, companies also have relevant cooperation with banks in various provinces and cities. At present, the financial mortgage business is mainly based on distribution outlets. Enterprises mainly provide support and cooperation and act as supporting roles. In general, the down payment for a car purchase is not less than 30%, and the deadline is 2 years. China National Heavy Duty Truck Group will avoid risks through disguised guarantees under the precondition of accrediting dealer qualifications (strength, creditworthiness, and ability to monitor loan vehicles, etc.) by controlling dealer rebates. Since the sales of heavy trucks are very good this year, all vehicles must be lined up, so this business is relatively small.
Shaanxi Zhongqi
The relevant person in charge of Shaanxi Severance Financial Services stated that Shaanxi Zhongqi has taken the lead in making financial loans from the company level. The overall situation is still available. This is a partial advantage of Shaanxi Zhongqi in the market. Loans allow businesses, dealers, and users to benefit. Unlike the financial loans that the distributors themselves have conducted, Shaanxi Zhongqi's financial mortgage is more flexible, which not only solves the procurement funds for the distributors, but also helps the end-users solve the liquidity problems.
Hongyan, Chongqing
According to Liu Shaohai, deputy general manager of Chongqing Hongyan Sales Co., Ltd., the company currently does not have financial mortgage services. Some dealers have carried out such business in the local area. The company cooperates with distributors and provides business operations, assets and liabilities according to the requirements of banks. Tables and other materials provide repurchase guarantees for vehicles.
Foton Motors
The person in charge of Futian Automan's Financial Division stated that Futian Auman provided financial mortgage services and was under the charge of the Auman Financial Division. There were two main modes: one was for Futian co-distributors to make mortgage loans for customers; the other was This is a dealer's own operation. However, from a sales perspective, financial loan purchases account for only a small proportion of Auman’s sales.
The financial loans made by enterprises and dealers are mainly to assess the ability of the purchaser to repay the loan. The down payment is at least 30%. The repayment period is up to 2 years. The vehicle is required to be fully covered and the mortgage is handled in a fair manner. The beneficiary of the insurance mortgage is Foton Motor. In addition, the dealers also gave Auman some counter-guarantees, placing more risk on dealers and minimizing the risk of Futian.
North Mercedes-Benz
North Mercedes-Benz related parties only revealed that the company currently has financial loans, the specific content can not be disclosed.
Valin Automotive
The person in charge of Valin Motors’ sales company stated that at present, the company does not have financial mortgage services, and it is an independent act of the distributors, and the company has no relevant support. However, it is understood that this kind of financial mortgage service will greatly help sales.
JAC Gehrfa
A person in the Jianghuai Automobile Heavy Truck Marketing Department told the reporter that the company currently provides financial mortgage services. The down payment for buying a car is 40%, and the term is 2 years. The interest rate is floating. The company’s business in this area began to operate from sales of hundreds of vehicles, providing financial support to users and distributors. The mortgage down payment has been reduced to 30%.
Dongfeng Liuqi
At present, the company does not have any business in this area. The main reason is that the dealers conduct business in the local area. However, if dealers develop financial mortgage business, the company will have extra points on the assessment of dealers, and it also encourages the development of financial mortgage business to some extent.