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二手车金融“水深”猫腻多
2017-09-15 07:31:41 中国经济网
济西二手车交易市场总经理潘虎告诉记者,作为二手车市场的管理者,由于没有相关部门的组织和授权,其实在对市场内各二手车商的监管上,并没有“管辖权”,而二手车市场的监管又涉及金融、工商、行政执法等多个部门,希望相关部门能够加强监管力度,指导市场发挥组织力量,引导市场内各成员单位规范自身行为。
也有业内人士建议,消费者二手车贷款遇到问题,常常面临不知道该找谁的困境。贷款出现问题,不知道责任是在银行还是销售商,或是小额贷款公司。责任一旦不明确,后续责任追究也会遇到麻烦。建议金融监管部门针对二手车交易中的金融服务出台相应的规范政策。
山东省工商局消费者权益保障处副处长韩江峰表示,从消费者的角度来说,在市场尚不规范的情况下,消费者自身的维权、防范意识十分重要。在二手车交易的任何环节,消费者都应有所警惕,严防经销商设下的各类“消费陷阱”。尤其是涉及合同的问题,要明确好具体条款和各方责任,不能马虎对待,草率签订。
韩江峰说,二手车交易过程中,消费者要保存好一切单据,必要时也可在购车过程中录音,为日后维权留好证据。一旦出现纠纷,消费者应及时考虑维护自身合法权益,可以到工商或消协进行投诉,还可以根据情况选择法律诉讼解决问题。
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