What exactly is the "financial service fee"
"Financial service fee" refers to the service fee generated by a consumer signing a service agreement with a third party in a 4S store. The owner of the car is mainly a bank loan, which has a period of time and process. The third-party service (company) should guarantee the 4S shop for the owner, and the resulting expenses are commonly known as "financial service fees".
1. Implement loan pricing according to the relevant provisions of national interest rate management, and strictly abide by the following provisions:
1. Financial institutions shall not lend funds or provide financing in other ways, and ask customers to accept unreasonable intermediary business and other financial services, thus charging fees;
2. If the loan is not transferred, the bank credit business shall adhere to the principle of in-kind loan and entrusted payment, and shall not directly pay the loan funds to the borrower's counterparty in full, and shall not force the terms or negotiate to convert some loans into deposits;
3. Deposit and loan shall not be linked, and the loan business and deposit business of banking financial institutions shall be strictly separated, and deposit shall not be regarded as a prerequisite for loan approval and issuance.
Legal basis:
Article 10 of the Measures for the Administration of Automobile Sales
Dealers shall clearly indicate the prices of automobiles, accessories and other related products and the charging standards of various services in the business field in an appropriate form, and shall not increase prices or charge extra fees beyond the marked price.