Pawn business operation process

Pawn business operation process, pawn shops were relatively popular in ancient times and the Republic of China. With the development of society, pawn shops have gradually been eliminated, but some The place is still reserved. If people have valuable items, they can still use them for pawn auction. The following is the pawn business operation process compiled for everyone. Let’s learn about it together! Pawn business operation process 1

Basic procedures and requirements

1. Pawn review

Procedures:

1. Review of the pawn certificate

2. Review the property certificates

Requirements:

1. The household certificates are legal and valid.

2. The name of the person who pawned the property, the name of the person who pawned the property, and the certificate are consistent

2. Verification of the property

Procedure:

1. Check the invoice , Documents

2. Value assessment 3. Determine the current amount and comprehensive rate standard

Requirements:

1. According to the newness rate and current market price Appraisal value

2. Convert the pawn amount based on the appraised value of 50 to 90.

3. Determine the comprehensive rate based on the established interest rate, handling fee, insurance premium, and storage fee

3. Collection

Procedure:

1. Sign the pawn agreement

2. Collect the pawn and store it in the warehouse

3. Make the invoice for payment and collect the fee

Requirements:

1. The owner shall sign and seal the agreement and the transfer form of each department

2. A copy of the owner’s ID card and a list of ID cards shall be submitted to the custodian for entry Seal the warehouse

3. Pay according to the pawn ticket and collect comprehensive handling fee

4. From January to June 5 of the current period, if the property and vehicle are pawned, all keys will be recovered

4. Redemption

Procedure:

1. Complete the redemption procedures with the pawn ticket

2. Settlement of comprehensive handling fee and pawn principal

3. Go through the procedures for leaving the warehouse

4. Return the invoice documents to the owner

Requirements:

1. Be careful when leaving the warehouse Verify the pledged goods

2. Depart the warehouse with the delivery notice

3. Handover the pledged goods

5. Transfer the pledged goods

Procedure:

1. The person in charge fills out the "Application Form for Transfer"

2. Check the invoice, re-determine the current period, duty, rate and rate, fill in the "Transfer Application" Pawn Evaluation Form"

Requirements:

1. The customer copy of the "Pawn Ticket" (attached with the customer copy of the transfer certificate) is handed over to the customer for acceptance

2. At the same time Procedure for collection of pawns

6. Renewal of pawns

Procedures:

1. Review the original pawn ticket, resident ID card (or other valid certificate)

2. The interest for the current period before payment and the comprehensive fee for the renewal period

3. Inspect the property and sign the renewal contract

Requirements:

1 , The renewal period shall not exceed the original period, and the interest rate and fee rate for the renewal period will remain unchanged. Pawn business operation process 2

① The pawnbroker shall present valid certificates and deliver the ownership pledge;

② The pawn shop appraises the pawned objects;

Pawn objects

③ Both parties to the pawn agree on the evaluation price, the amount of the pawn, the period and the determination of the interest fee; ④ Both parties to the pawn must make an inventory and seal it at the same time Pawn items shall be kept by the pawn shop;

⑤ Issue the pawn ticket to the pawnbroker and issue the pawn money

2. Renewal of the pawn

① The pawnbroker holds the pawn ticket Come to the pawn shop with valid certificates,

② Re-evaluate the value of the pawned item;

③ Pay the interest for the current period before settlement, and pay the comprehensive expenses for the current period

④ In Renew the signature on the pawn ticket;

3. Redemption

①The pawnbroker brings the pawn ticket and valid certificate to the pawn shop;

② Pay the principal and interest, and settle all expenses;

③ Get back the pawned items.

Absolutely

The act of neither renewing nor redeeming the loan 5 days after the expiration of the term is called an absolute act. A pawn shall be disposed of by the right.

Pawn Shop

From the moment you step into a pawn shop, you will be observed from head to toe. From this point of view, there is not much difference between modern pawn shops and old pawn shops.

Next, there is a fixed pawn process: first, the pawnbroker will issue a valid certificate and deliver the pawned object. If you want to pawn a gold jewelry, you need to provide the invoice at the time of purchase. If the gold jewelry is on If it is set with gemstones, the identification certificate of the gemstone should also be provided.

Then the pawn shop will accept the pawn and conduct an appraisal. After confirming that the appraisal result is correct, both parties agree on the evaluation price, the amount of the pawn, the pawn period, and confirm the interest rate standard - at this time, the pawn has been halfway completed. Next, both parties will jointly count and seal the pawned items, and the pawned items will be kept by the pawnbroker during the current period.

Finally, the pawn shop issues the pawn ticket to the pawnholder and releases the pawn money.

In addition, it should be noted that the pawn ticket should be properly kept. The pawn ticket is an important basis for the pledgor to redeem the pledge. If it is found lost, the loss should be reported in a timely manner. If the pawn is claimed by others before the loss is reported, in principle The pawn shop is not responsible for compensation. Pawn business operation process 3

1. Delivery: The pawnholder delivers the pawn to the pawn shop clerk with legal and valid certificates and proof of ownership of the pawn.

2. Pawn inspection: The pawn shop clerk inspects the pawn owner and the relevant circumstances of the pawn.

3. Pawn appraisal: The pawn shop salesperson evaluates the current price of the pawn based on the commodity market conditions.

4. Pawn discount: The pawn shop salesperson negotiates with the pawnee based on the appraisal results and determines the pawn amount at a certain proportion of discount.

Conversion rate: the ratio between the amount of the deposit and the estimated amount of the property.

The reasons for setting the discount rate:

First, the pawned object is only used as a guarantee for creditor's rights, not for sale;

Second, it guarantees the lending of the pawn shop Security of funds.

The impact of the discount rate:

For pawn shops: a high discount rate brings high risks, and the pressure to liquidate is definitely high, but the interest fee The income is also high; the opposite is true when the discount rate is low.

For current households: if the discount rate is high, the loan amount will be large, but the cost will be high; if the discount rate is low, the opposite is true.

5. Writing the pawn: The pawn shop salesperson fills in the pawn ticket and signs the loan contract after determining the amount of the pawn and clarifying the current period, rate and other matters based on negotiation with the pawnholder.

6. Pawn ticket: A pawn ticket is also called a pawn receipt. It is a document issued to the pawnbroker after the pawnbroker has received the pawn. It is a loan contract, also called a pawn contract.

7. Pawn period: referred to as the current period, refers to the time when the pawnbroker and the pawnholder agree in the pawn ticket or pawn contract that the pawn pays off the pawn money, pays interest fees, and redeems the pawn.

Category:

Legal time limit

Agreed time limit

Analysis of pros and cons of time limit:

For pawn shops Words: Long term means high risks and high returns; short term means the opposite.

For current accounts: long term means ample funds but high interest rates; short term means the opposite.

8. Interest fee: It is the abbreviation of interest and comprehensive fee. It refers to the interest on the pawn and related pawn storage fees and service fees that the pawnbroker needs to pay when borrowing money from a pawn shop. collectively.

9. Pawn collection: refers to the act of a pawnbroker collecting the pledged items handed over by the pawnbroker and going through relevant procedures, paying the pawn money and vouchers (pawn tickets).

10. Guandang: Also called "depositing", the pawn shop custodian keeps the pawn receipt with the pawn ticket, seals the package (bag) in person, and stores the pawn in the warehouse for safekeeping.

11. Pawn payment: refers to the payment of pawn money, referred to as "pawn money", which refers to the behavior of the pawn shop salesperson paying the pawn money to the pawn account based on the actual amount of the pawn ticket.

12. Pawn renewal: Also known as extension or extension, it refers to the act of continuing to pawn with the original pawn and renewing the pawn ticket and contract with the agreement of both parties. .

13. Redemption: The act of repaying the principal and interest of the pledge on time and redeeming the pledged property.

14. Absolute pawn: Also known as "broken pawn", "dead pawn" and "abandoned pawn", it refers to the behavior of the pawnee neither redeeming nor renewing the pawn within 5 days after the expiration of the pawn period. .

Absolute consequences:

Below 30,000 yuan:

For the pawned household, the right to dispose of the pawned property is lost and the pawned money is obtained

For a pawn shop, if it obtains the right to dispose of the property, it will lose the pawn money

More than 30,000 yuan:

For a pawnbroker, it will lose the (restricted) right of disposal. Rights and obligations of refunding excess money and making up for the shortfall

For pawn shops, they have the (restricted) right to dispose of money, and the rights and obligations of refunding and making up for the excess money