How to improve the competitiveness and value of mortgage
Automobile loan is an important way to increase the sales ratio of automobile 4S stores. Therefore, in order to make a good loan, all the people related to sales should pay great attention to it, especially the direct leaders (sales manager and car loan manager). Then, members who operate car loans should be familiar with every scheme and every process of car loans and can give detailed and accurate answers to sales consultants at any time. Then it is necessary to establish a good relationship with sales consultants and coordinate with leaders to formulate corresponding car loan incentive schemes to motivate sales consultants. Having a good relationship as the foundation, being guided by rewards, and matching with a perfect, fast and convenient car loan scheme, it is bound to make many customers who did not intend to file a case choose car loans for convenience or the guidance of sales consultants.
the basis for a good car loan is the proportion of pieces. That is, the percentage of sales performance completed by auto loans to the total sales performance within one month is called penetration rate in the industry. If the permeability is higher every month, even if it is a few percentage points higher, it means that you have done a good job ~! Wish you success ~!
What are the incentive mechanisms in inclusive finance?
There are many mechanisms. We will further improve the assessment and incentive mechanism of inclusive finance's services and tilt credit resources and financial resources to the field of small and micro enterprises.
First, improve the assessment and incentive mechanism
For example, Lishui Branch of Agricultural Bank of China has specially formulated XX, and customers who handle offline business and have a single-family credit of 1 million yuan or less may not be classified, not included in the scope of industry quota control, and the credit scale may be allocated separately. In view of the credit business of small and micro enterprises, the provincial branch actively adjusted the examination and approval authority, and all the examination and approval authority of the granting letter was delegated to Lishui Branch. In view of the fact that small and micro enterprises can approve general fixed assets loans of up to 5 million yuan under the condition of full real estate mortgage, the approval authority of small and micro online loan business is directly delegated to the first-tier sub-branches, and the approval authority of simple loan business of small enterprises within 1 million yuan and rural individual production and operation loan business within 1 million yuan is gradually delegated according to the credit management level of each sub-branch, so as to minimize the approval links.
Second, it is to strengthen the implementation of due diligence exemption
For example, Lishui Branch of Tailong Bank updated the new version of the detailed rules for the determination of non-performing loans in 218, and determined the principle of "strictly controlling subjective risks, exempting liability due diligence, combining appropriate risk tolerance with economic and disciplinary measures", and encouraged grassroots outlets to increase credit input to small and micro enterprises. In 218, the branch applied for and used a small refinancing fund of nearly 1 million yuan, effectively supporting the credit demand of the dual-innovation group.
: further improve the due diligence exemption mechanism of financial services for small and micro enterprises, and continuously improve the quality and efficiency of financial services for small and micro enterprises.
1. It is to strengthen guidance
to promote the establishment of the system. According to the spirit of the circular, banking institutions within their jurisdiction timely improve and perfect relevant systems according to regulatory requirements. Up to now, 18 rural small and medium-sized financial institutions under their jurisdiction have established systems such as XX and XX, such as relaxing the tolerance of non-performing loans for small and micro enterprises to no more than 3 percentage points of non-performing loans. The second is to strengthen management and promote a sound mechanism. Set up a special working group for all banking institutions within its jurisdiction, and form a standardized management mechanism with the main person in charge of the bank as the team leader, the full-time department taking the lead in promoting, and the due diligence exemption hearing group for microfinance credit investigation and evaluation, and strive to form a working mechanism of "scientific management, compliance exemption" to ensure the accuracy of work promotion.
2. Relevant regulations
For example, in the first half of this year, Liandu Rural Commercial Bank audited a loan according to the relevant regulations on due diligence exemption for microfinance. Upon examination, the investigation post, examination post, examination post and post-loan management of this loan have all fulfilled their relevant responsibilities, and the risk was not caused by the subjective reasons of the relevant managers. All the managers of this loan, including 11 people, were exempted from due diligence, with an exemption amount of 4.94 million yuan.
Project Award Scheme
Project Award Scheme (1)
In order to mobilize the enthusiasm of cadres and people from all walks of life in the region to attract investment and strive for funds, and promote the construction of key projects in our region, these measures are formulated in combination with the actual situation in our region:
1. Award targets:
Intermediaries who directly introduce projects into construction and put them into production.
2. Award criteria:
1. Newly-built imported industrial projects with an investment scale of more than 1 million yuan will be rewarded according to 1.5‰ of the investment amount.
2. If the tax revenue of business service projects is more than 1, yuan in the current year, it will be rewarded by 5% of the tax revenue of the district.
3. A discussion on winning special fund awards.
III. Incentive method:
After the introduction project is completed and put into production, the intermediary shall apply and attach relevant identification materials, which will be confirmed by the District Development and Reform Bureau and relevant departments, and will be cashed after being studied and confirmed by the district head office meeting.
IV. Declaration of incentive funds:
The following materials shall be provided to the District Development and Reform Bureau when declaring the incentive for imported projects:
1. Application report.
2. the confirmation certificate of the legal representative of the funded project to the investor.
3. Appraisal report and relevant certificates, fixed assets ownership certificate, business license, tax registration copy and enterprise tax payment certificate.
4. If the equipment is invested, the original invoice of the equipment and the certificate of receipt of the equipment by the enterprise shall be provided.
5. Other certificates that should be provided.
5. Investment in fixed assets as mentioned in these Measures refers to the introduction of funds for investment in land, infrastructure and equipment. Take a one-on-one solution to those who have made special contributions and the matters not covered in these measures.
VI. These Measures shall come into force as of the date of promulgation.
VII. The yuanbao district Project Office shall be responsible for the interpretation of these Measures.
Project Award Scheme (II)
In order to make full use of the policy advantages of Guangzhou Free Trade Zone, run an international wine trading center well, and turn Guangzhou Free Trade Zone into a distribution center for domestic imported red wine and the most dynamic special economic region, these measures are formulated according to the actual situation.
first, the reward method
(a) the reward object.
Domestic-funded enterprises and foreign-invested enterprises registered in Guangzhou Free Trade Zone International Liquor Trading Center to carry out liquor display and sales business, and registered in Guangzhou Economic and Technological Development Zone, Guangzhou High-tech Industrial Development Zone, Guangzhou Export Processing Zone and Guangzhou Free Trade Zone (hereinafter referred to as Guangzhou Development Zone) for tax registration.
(2) incentive measures.
1. Reward the eligible reward objects for five years. The reward standard refers to the local financial part formed by the realized added value, operating income and total profit. The first three years are calculated as 1% and the second two years are 5% and rewarded. The reward period shall be calculated from the date of establishment of the enterprise.
2. The district finance arranges the incentive fund for enterprise development of Guangzhou Bonded Area International Liquor Trading Center in the budget and includes it in the departmental budget of the Bonded Business Administration Bureau.
3. The approved amount of reward is calculated by reference, and the data approved by the financial department shall prevail.
4. Enterprises that have been punished by the departments of industry and commerce, taxation, customs, inspection and quarantine for violation of laws and regulations will be disqualified.
5. This reward method will be revised and improved according to the specific situation.
ii. convenient services of the customs
the customs of Guangzhou bonded area provides the following convenient services for liquor enterprises in the trading center:
(1) giving priority to enterprise registration.
(2) Give priority to nuclear warehouse filing.
(3) Set up special windows and VIP channels, and give priority to calling numbers at the customs clearance site.
(4) Imported wine can be directly put into the bonded area for warehouse inspection.
(5) Shipment in batches and centralized declaration shall be implemented.
(6) the supervision mode of liquor displayed and retailed shall be implemented, including duty-paid outbound, bonded display in the bonded area, and non-guaranteed display when leaving the area.
(7) implement the price reserve system.
(8) assign special personnel to track and handle customs clearance issues in time.
III. Convenient Services for Inspection and Quarantine
Huangpu Entry-Exit Inspection and Quarantine Bureau provides the following convenient services for liquor enterprises in the trading center:
(1) Priority is given to handling the inspection and quarantine filing of liquor importers in the international liquor trading center in the bonded area.
(2) The registered importers are allowed to enter the warehouse directly after their imported wines arrive in Hong Kong.
(3) Provide the VIP inspection channel of the trading center and the convenient service of "centralized inspection and shipment in batches".
(4) set up the import liquor laboratory for inspection and quarantine of the international liquor trading center in the bonded area to provide one-stop service for the international liquor trading center in the bonded area.
(5) Liquor leaving the area can go through the formalities of Chinese label review and conformity inspection in advance; Chinese labels are allowed in the area.
(6) Implement classified management on the basis of risk assessment, and take convenient services such as centralized and overall sampling in combination with the actual situation of imported alcohol in the International Alcohol Trading Center of the Bonded Area.
iv. Convenient services for industry and commerce
The Free Trade Zone Branch of Guangzhou Administration for Industry and Commerce provides the following convenient services for liquor enterprises in the trading center:
(1) Liquor enterprises can apply for business licenses without providing site registration certificates.
(2) Enterprises can apply for relevant pre-licensing in other departments with the Opinion on Approval of Food Circulation License (equivalent to food circulation license).
(3) provide a special person to be responsible for opening a green channel for liquor enterprises entering the market, giving priority to handling food circulation licenses and business licenses, and issuing certificates and licenses immediately when the materials are complete.
(4) Enterprises are allowed to publish signboard advertisements of less than 5 square meters after submitting the design renderings, and go through the examination and approval procedures within one month after the enterprises receive the business license.
(5) send experts in industrial and commercial business to guide the liquor trading center to carry out the investment promotion work of liquor business street, simplify the examination and approval procedures, follow up the whole process and provide "one-stop" service.
(6) Establish a wine enterprise information database to provide free information inquiry for wine business enterprises in the trading center.
(7) Give priority to accepting trademark infringement complaints from liquor trading enterprises in the trading center, and assign special personnel to follow them up.
(8) giving priority to providing industrial and commercial consultation and guidance on trademark application, brand protection, counterfeiting and other aspects for liquor enterprises.
five, the detailed rules for the implementation of these measures shall be formulated separately.
VI. These Measures shall come into force as of the date of promulgation.
Project Award Scheme (III)
In order to further expand the opening up, mobilize the enthusiasm of people from all walks of life in the whole society to attract investment, encourage people from all walks of life in the county to actively participate in the project construction, vigorously implement the project-driven strategy, attract more merchants to invest, and promote the development of the county's export-oriented economy, these measures are formulated.
the term "project reward" as mentioned in these measures refers to the incentive measures to reward units or individuals who have made outstanding contributions to the investment activities of local fixed assets within the administrative area of the county after the approval of the state and the autonomous region, the implementation of funds, the construction of the project and the process of bringing benefits into play, and the introduction of units or individuals outside the county. Rewards are divided into material rewards and spiritual rewards. Among them, material rewards are mainly cash rewards. The county project construction leading group is in charge of the project award, and the office of the project construction leading group is responsible for the daily work of the project award.
1. Award items and standards
(1) Set up projects to win prizes. This award refers to the award from the submission of the project proposal to the approval of the feasibility study report, which consists of the following two parts:
1. Project foundation bonus. Set corresponding bonuses according to the total investment amount of the project. Where the total investment is less than 5 million yuan, the bonus is .2-1, yuan; If the total investment is between 5 million yuan and 1 million yuan, the bonus will be between 1, yuan and 3, yuan; If the total investment is between 1 million yuan and 2 million yuan, the bonus will be between 3, yuan and 5, yuan; If the total investment is more than 2 million yuan, the bonus will be 5,-5, yuan. The declaration of this award must be approved after the feasibility study report is approved. (It is unreasonable to divide the bonus distribution ratio of the project for the prize according to the level of the project approval unit, so it is suggested to set the corresponding prize amount according to the total investment amount of the project instead. )
2. Strive for the national policy subsidy bonus. It is mainly based on three related factors: the number of national policy subsidies, the interest rate and the duration. Among them, if it is a free subsidy, the bonus will be drawn at the rate of .5%. 5 million yuan-1 million yuan', according to the proportion of 1% bonus; 1 million yuan-2 million yuan, according to the proportion of 2% bonus; More than 2 million yuan, according to the proportion of 3% bonus. If it is an interest-free investment, the bonus will be drawn according to the ratio of 1-2 ‰; If it is a low-interest investment, the bonus will be drawn at the ratio of .5-1 ‰; If it belongs to the bank's basic interest rate investment, the bonus will be drawn at a rate below .5‰; No bonus will be withdrawn if it is higher than the bank's basic interest rate. The declaration of this reward must be made after the subsidy is fully in place.
(2) Establish a fund implementation award. This award includes two aspects: loan implementation and self-financing implementation. Mainly according to the interest rate and duration of the funds, the availability of funds, the cost of borrowing funds and other factors to determine the proportion of awards, including: higher than the bank's basic interest rate will not be rewarded; The bonus equivalent to the bank's basic interest rate shall be drawn at a rate below .5‰; If it is lower than the bank's basic interest rate, the bonus will be drawn at the rate of .5-1.5 ‰; Interest-free loans will be awarded at the rate of 1.5-2.5 ‰. You can only get one reward if you implement a sum of money.
(3) Establish a project benefit award. This award includes economic benefits and social benefits. Economic benefit refers to the situation that the project reaches the output, standard and efficiency on schedule according to the design requirements. Social benefit refers to the situation that the completion of this project plays a role in improving working conditions, ensuring safe production, eliminating public pollution, preventing epidemic diseases and improving ecological environment. According to the following two parts:
1. The project benefit award, which is mainly based on economic benefits, is mainly determined by the contribution to local finance, and the bonus is extracted according to 1% of the amount paid to local finance every year.
2. The project benefit award, which focuses on social benefits, is mainly decided according to the degree of reaching the production standard and efficiency in the process of project management. Upon confirmation by the relevant government departments and designated departments, the project will be rewarded with .5-1, yuan if it reaches all technical indicators, and will not be rewarded if it cannot fully meet the requirements of indicators.
The project benefit award can be given many times. When the new benefits in the second year reach or exceed the expected benefits, the bonus can still be drawn according to the proportion specified in this article.
(4) Establish an investment promotion award. This reward is given according to the amount of foreign investment (material), and it is rewarded in the following two ways:
1. If you recommend foreign friendly people to donate money and material, you will get a bonus according to the proportion of 1% of the amount of money and material actually accepted (in which, the value of the material is subject to the evaluation by the evaluation agency designated by the government);
2. Those who recommend foreign investors to invest will be rewarded with 1,-1, yuan according to the scale of investment and the contribution to local finance.
(6) units and individuals who have made outstanding contributions shall be given corresponding spiritual rewards according to the management authority of cadres according to different situations.
ii. application, review and award
the project award is conducted once a year. Declare at the end of the year, announce the evaluation results and hold a commendation meeting in March of the following year.
(1) procedures for reward evaluation:
1. declaration by units or individuals;
2, according to the project approval channels by the competent authorities to check;
3, the project construction leading group office preliminary examination;
4, the project construction leading group review decision.
(2) The award-winning project shall be declared by the project legal person or responsible person.
The application materials mainly include the following contents:
1. Application form;
2. Summary of project work;
3. Feasibility study and preliminary study of project establishment