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    Help SMEs, Strengthen Services, Prevent Risks, and Benefit the People ——Chery HuiYin Motor Finance Service Co., Ltd. Actively Carries Out the “Publicity Month for SMEs”2013-06-09 23:24:00
            Chery HuiYin Motor Finance Service Co., Ltd. was founded in April 2009. As a joint venture created by Chery Automobile Co., Ltd. and Huishang Bank, it is the first Chinese-funded specialized automobile finance company jointly funded by a Chinese proprietary brand automobile manufacturer and a local bank in China approved by China Banking Regulatory Commission after 9 foreign-funded automobile finance companies. Since its establishment, Chery Finance Service has committed itself to supporting the development of automobile dealers to promote the sales of Chery through two core services: inventory financing loans for dealers and automobile loans for customers.

           Being limited by their capital strength, most Chery dealers are SMEs. It’s hard for them to get bank loans, because they cannot provide assets as security. This limits their sales volumes and fast improvements in profitability. To solve this problem, first, Chery Finance Service made innovations in its credit evaluation mode by introducing the credit evaluation mode with a 3rd-party civil servant or an administrative institutions’ staff member as the guarantor and lowering the credit threshold, which effectively enhanced the approval ratio. So far, more than 400 small and micro dealers have been given credit by Chery Finance Service; the line of credit is nearly RMB 2.5 billion Yuan. Meanwhile, to reduce small and micro dealers’ financial costs and support their sustainable development, in recent years, Chery Finance Service took the initiative and lowered its loan interest rates many times to surrender part of the profits to the dealers. Second, Chery Finance Service actively carried out automobile loan services, kept improving its service level, and launched multiple interest-free and low-interest retail loan products with flexible down payment proportions, repayment deadlines, and repayment modes according to market demand. With the effective support from Chery Finance Service, small and micro dealers overcome the adverse effects brought by the slackened demand and intensified competition in domestic automobile market, and keep certain growth in sales and profitability. Chery Automobile’s sales volume also stayed in front among China’s proprietary automobile brands for years.



           Picture: to carry out the “2nd Publicity Month for SMEs Financing Services”, on May 28, 2013, Chery HuiYin Motor Finance Service Co., Ltd. went to Anqi 4S Store in Wuhu to carry out a door-to-door promotion, introduce the company’s financing service policies for SMEs in detail, learn the fund demand of SMEs in depth, and listen to their opinions and advice about financing services carefully, in order to improve its financing service level.
     
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