Gao Bin: In 1994, the Consumer Rights Protection Law that China began to implement is mainly industry organizations, which leads to more laws to protect the interests of enterprises, not consumers.
The continuous fermentation of Shaanxi Mercedes -Benz owners' rights protection incident has led to the responsibility of all sectors of the society on automotive financial service fees. It is very ridiculous. However, many hidden rules in China's automobile industry are indeed coming to the time when they are shining.
When I saw a video of the owner of Shaanxi, I was not surprised.In the past 20 years, the author has been engaged in the car industry reporting career, and this kind of thing is common.Like many laws and regulations, the Consumer Rights Protection Law that China began to implement in 1994 was mainly for industry organizations. This led to more laws to protect the interests of enterprises, not the interests of consumers.But it has not been fundamentally changed.
As the most important consumer goods in Chinese families, cars have been key areas of complaints in recent years.When encountering consumer disputes, most of the merchants who are protected by legal tilt have stated that they work in accordance with the law. Consumers who have damaged interests do not use various forces to fight against various forces. Once they are in trouble, the administrative department has to use administrative forces to perform pressure.None of the deaths of consumers, merchants, and administrative departments continued to be staged repeatedly.
For more than a decade, all major car consumer rights protection cases in China have been the case and effect. There is no exception: Volkswagen, Toyota, Honda and other automotive companies have created a worse group of rights protection incidents that affect worse.
As for the car sales financial service fee detonated by Mercedes -Benz rights owners, it is difficult to say.
Although cars have entered a Chinese family for more than 20 years, most people do not know the profit model of the automotive industry, and even take it for granted that the price of automobiles is high, so the sales profit is also high.
but it is not the truth.Due to the continuous growth of previous years, China has already become the worst automotive market in the world, showing excess capacity, excess brand, excess dealers, and product overcurrent.
Generally speaking, the mainstream car brand has a reasonable sales of gross profit+various subsidies for manufacturers, with an average profit margin of about 10%.However, in the case of fierce market competition, except for a small number of popular models, most models are discounted for discounts below the manufacturer's guidance price.To 20 % off.
Making money from various services is the real profit model of China's automobile industry.This is also the reason why Mercedes -Benz and BMW and other auto brands have announced their official guidance prices in the name of tax reduction, but the end market price has not really been lowered.The price is often several times the price of the vehicle.
As a new generation of consumers can accept loan consumption, automobile retail financial business has also received more and more attention. Public data shows that the net profit growth rate of the automotive financial industry has been above 40%in recent years.
Careful consumers may have already discovered that the popular models on the market are not loan or buying specified insurance or decorative services, and dealers will not sell them at all.
Such a sales model is the same as the low -cost travel group model that has been banned from large -scale complaints in the past few years. They are all low -priced to take off the guests, then grind the knife, and have the ingredients of induction and fraud.
Automotive finance is the norm in developed countries in Europe and the United States. Loan purchases, leased on behalf of them have already become the mainstream consumption model of automobiles.But just like other bad financial services, China's auto finance retail industry is also chaotic. Participants not only include car companies, banks, insurance companies, etc., but also a large number of infamous P2Ps.Different fees and various traps, because of strong concealment, are not easy to be found by consumers.
It is no exaggeration to say that, with the active participation of the financial elites, the car sales price has changed from transparent to opaque. Even if the same brand, different sales representatives of different dealers or dealers will receive layers of finance.Different prices after packaging.
However, consumers who purchase cars pay more unknown expenditures such as automobile financial service fees.Because the invoice price is mostly lower than the normal market price, the tax authority is charged at the minimum price defined when receiving the vehicle purchase tax at the time of receiving the vehicle purchase tax.The residual value of used car is lower and more embarrassing.Based on the amount of the invoice amount, the lower the invoice price, the lower the price of the second -hand car assessment, but in fact, the price of consumers is not low, but the profit is transferred away by the dealer and financial institutions through financial channels, but consumes consumptionPeople bear the price part of the disappearance on the surface.In mid -to -high -end cars with tens of thousands of yuan and 100,000 yuan, the discount loss far exceeds the car financial service fee.
According to the Chinese referee documents established by the Supreme Court of China, in the many judgments of lawsuits caused by automotive financial service fees, consumers are mostly in an unfavorable position. Even if they can read patiently, ordinary consumers have no identification and professionalism.People carefully set the format ability of the trap.
As long as consumers are in a disadvantaged position in front of the law, the splash -splashed rights protection that sweeps China will continue to be staged and more and more sympathetic to consumers.The administrative department forced to act as the firefighting captain also had to cover his mouth a headache, and his foot pain also covered his mouth.
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