Financial Service

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The financial leasing process consists of five phases, respectively, business recommendation, contract signing and credit audit, payment and equipment delivery, equipment management, complete or buyback.


Businessrecommendation

1. If the customer have financing needs when purchasing construction machinery, our regional JINGONG dealer will explain to the customer about our financial leasing, respective rights, obligations and responsibilities, and the basic process. And our dealer will also recommend qualified financial leasing company to the customer.


2. Our dealer will assist the customer with the application and the preparation of related materials.


Contract signing and credit audit

Note:

1. Both the electronic version and the printed version of the contract must be signed when the customer has provided all the required information.


2. When signing the electronic version or the printed version of the contract, the contractual relationship is established only when the financial leasing company has signed and stamped the contract.


3. In order to facilitate customer repayment, and timely and efficient statistics by the financing company, the lessee shall pay the monthly rent through bank automatic payment.


4. special reminder: the regional dealer shall ensure that the contracts are signed by the lessee in person and ensure the authenticity of the information provided by the lessee. The regional dealer shall bear the legal consequences if the contracts are not signed by the lessee or there are false materials.


Payment(down payment, deposit, service charge, insurance) and equipment delivery

1. When the customer and the dealer sign the Financial Leasing Contract and other contracts, the customer shall pay the first payment, deposit, service fee, insurance and other related expenses according to the contracts.


2. Fujian JINGONG Machinery Co., Ltd. will pay the dealer related fees according to the Financial Leasing Cooperation Agreement.


3. After the customer signs all the financial leasing contracts and pays the first payment, deposit, service fee, insurance and other related expenses, our regional dealer will deliver the equipment to the customer after acceptance inspection by the customer.


4. The dealer shall send all the signed contracts and related materials like the application forms, product certificate, etc. to the Credit Management Dept. Of JINGONG.


Subsequent management

1. Statistics of paid rentThe financial leasing company will send to JINGONG the statistics of the paid rent of the lessee monthly, and JINGONG will then forward it to its regional dealer.


2. Regular reminder of leasing fees

The financial leasing company, JINGONG Machinery and our regional dealer will jointly establish a reminder system, through SMS, phone call, letter, face-to-face and other means, to remind and urge the lessee to pay the rent in time.


3. Purchase of the equipment (prepayment)

Price for advance purchase of the leased equipment = remaining principal balance x (1+0.1%) + remanent value of equipment


Complete/Buyback

1. When the lease term expires and the lessee has paid the full lease fee to the financial leasing company, the ownership of the equipment will be transferred to the lessee. And the financial leasing company will issue the Title Transfer Certificate of the leased equipment to the lessee.


2. If the lessee does not pay the rent as stipulated in the financial leasing contract, and if it meets the buyback conditions according to teh Financial Leasing Cooperation Agreement signed by JINGONG and its regional dealer, the dealer shall implement the buyback. Then the financial leasing company will transfer the ownership of the leased equipment to the dealer.

1、在工程机械设备销售中,若客户提出融资需求,由区域代理商负责向客户解释融资租赁的内容、各方权利、义务、责任、操作基本流程,区域代理商应选择资信优良、资产情况良好、有较好收入来源的客户推荐给融资租赁公司。


2、资料收集及申请书的填写区域代理商应协助客户按材料清单的要求提供相关材料,提供材料时应注意如下事项: 

A、身份证应双面复印,区域代理商应将复印件和原件核对,身份证上应有客户签名按手印; 

B、身份证姓名与户口簿姓名不一致的,应到当地村委会、居委会开具曾用名/别名证明; 

C、身份证、户口本上身份证号不一致时,客户必须提供户籍证明原件。身份证、户口本、结婚证上身份证号一致且资料完整的情况下户籍证明不要求强制性提供,但建议区域代理商仍要求客户提供户籍证明原件,以保证客户身份情况的真实性,同时为债权处理提供相应的证据。 

D、结婚证遗失或事实婚姻关系的,应有民政部门或当事村(居)委会出具的婚姻状况证明; 

E、区域代理商应要求客户及担保人如实披露资产情况并积极提供资产证明材料。 

区域代理商将上述客户资料收集齐全后,应协助客户填写融资租赁申请表。申请表上应有客户的签名(法人客户:法人签章加盖公章)。