"The leasing business is self-driving and can be stopped at any time; the leasing and selling is high-speed rail and can be stopped halfway; the financing purchase and the full payment purchase are direct flights and cannot be stopped halfway. The rate of return of these three is increasing in turn, but the investment risk is also rising"-such a thorough and vivid statement comes from Meng Wen, general manager of Xugong Guanglian Leasing (hereinafter referred to as Xu Guanglian).

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In recent years, the leasing sector of the construction machinery industry has been unusually hot. Xu Guanglian, the "central bank of equipment" of China's construction machinery, has attracted much attention and has been named Xu Guanglian's model by the industry. All this is the magic stroke of Meng Wen, the head of Xu Guanglian's "rational man" in the industry.

The reason why Fa Ge Jun advocates the word "rational person" is that when Meng Zong expresses the three different sales methods, he not only stands at the customer's point of view, but also indicates whether the project is sustainable and the investment risk, but also whether there is an escape window through the three sales methods, so that customers can decide to purchase (rather than purchase) equipment in an appropriate way according to their own cash flow.

This kind of targeted differentiation of sales methods according to customer needs and affordability, and open and honest approach, is precisely the "rational person" that the industry needs"

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Having said that, it is necessary to say that the credit card problem is similar to the industry.

Everyone must have encountered the bank to promote credit cards, before the card, the bank often to credit card convenience, high credit line, points discount high way to let you from the heart into action.

When handling the card, it is generally only necessary to provide the ID card and salary certificate, which is not true to the authenticity and comprehensiveness of the real estate certificate, driving license or bank running water;

After the card is issued, the use of the card will no longer be regulated, but the SMS collection will start before the repayment date;

It doesn't matter after expiration, because the bank has the ultimate killer of "credit card fraud". On the one hand, it is the rice that needs to be repaid by credit card, and on the other hand, it is your personal freedom. The "Decision of the Supreme People's Court and the Supreme People's Procuratorate on Amending the" Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Impairing Credit Card Management "", which came into effect on December 1, 2018, is dedicated to the legitimate rights and interests of card issuing banks.

It is worth pondering whether the bank's practice of issuing cards only, regardless of the affordability of the card-handling person, laissez-faire consumption, and possibly collecting money through criminal cases is a rational person's practice.

The paradox of this phenomenon is that in order to complete the card handling index and penetration rate, the bank adopts various promotional methods to find the target customer to handle the card, even regardless of whether the customer already has multiple credit cards. The customer has no knowledge of the prudence of handling the card, and the bank also lacks reasonable tips on the risk that the customer cannot repay the loan, and then lets the customer pay all the bills for the overdue risk. Is it somewhat inparticular?