screws-In the middle of the financial market
According screw to the CBRC, consumer finance company is the biggest characteristic of small, short, no guarantee and mortgages, which determines its scope of business cannot contain cars and houses as big commodity, but only for electrical appliances, travel, education, and decoration of wedding in consumption. In fact, Chinas current consumption credit market is more than 80% and car loans, mortgages, such as education of 20%, tourism, wedding, general commercial Banks also provide related services, such as Shanghai bank of huangpu district and launched a sector consumption card, is this service, screws such as many Banks extend to the credit card has instalment function. Although the regulation "consumer finance company to extend the balance of individual consumer loans shall not exceed 5 times the income of the borrower month" (the general card to higher than), but decorate this big spending, will not have the too big a competitive advantage.In the rapid development of credit, we should also see clearly that the existing problems and risks, such as credit risk, fraud risk and operational risk, etc. Especially for unsecured credit card loans screw financial products, although loan based on consumption and basic for small, but the client group, audit procedures for customers in the bank is simple, information collection and selection of information asymmetry of information, customer changes in income or malicious defaults would cause major credit risk. Objectively, the recession of unemployment caused by credit card or pay cash, plus business, causing overdue payments number increase greatly. From the view of the development of the credit card business, although had 20 years of growth, but overall, the risks of consciousness and screws experience are far cannot meet the requirements. Especially simply pursuit of operations started to credit risk model. 2008 Chinas credit card in 1%, so probably expected at the end of 2009 could rise to 3-4%. Credit card business risk is gradually expanding. For all kinds of credit risk identification, analysis and monitoring and effective management becomes necessary. Especially in current China also faces rising unemployment, consumption level, increase the credit overdraw consumption situation, more should pay attention to guard against risks.In the 1970s the world energy crisis, the shortage screw of the Japanese increased energy-saving air-conditioner. As the decades passed, the world energy crisis did not become "past", instead of a had to face the "right now." China also gradually understand a reality, to survive, want to develop, in limited resources, energy saving. Then frequency conversion air conditioning born, a war of energy-saving fiercer. But consumers of frequency conversion air conditioning can can, can save much day how much money or nothing concrete concepts. Actually, the frequency conversion air conditioning, compared with the traditional varied air conditioning can screws save the electricity, general average level according to the expert is for communication, digital frequency conversion air conditioning can omit report about 25-30%, and dc frequency conversion air conditioning can reach 30-40%, and can even nearly 50%. According to experts, if be roughly calculated the average air-conditioner 10 percent efficiency improvement, can save the electricity, 3.7 kw national savings 1.6 billion yuan, But if the air in the whole into frequency conversion air conditioning, air conditioning can improve the efficiency of the average at least 30%, can save screw 4.8 billion yuan annually
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