The characteristics and process of "pawn shop" folk pawn

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Also known as a civil product pledge loan. It is a rapid financing business for individuals and small and medium-sized enterprises in the pawn shop industry. After the professional assessment of the appraiser, the pledge registration of the goods can quickly obtain a pledge loan method. It is characterized by the fast speed of pawning.

1

Scope of folk pawns

Yellow and platinum jewelry: gold, platinum, K gold jewelry and ornaments;

Jewelry: diamond jewelry and loose diamonds, all kinds of high-end gemstone jewelry, such as rubies, sapphires, emeralds, etc.;

Watches: all kinds of high-end brand-name watches;

High-end digital products: cameras, camcorders, notebook computers, high-end mobile phones and other products;

Luxury goods: luxury goods, bags and other categories.

2

Materials required for civil pawns

Individual customers

1. Proof of the source of the goods (such as invoices, etc.)

2. Valid documents (such as ID card, passport, driver's license, etc.)

Corporate customers

2. Enterprise legal person ID card, copy of enterprise business license (with official seal), copy of enterprise organization code certificate (with official seal), enterprise legal person certificate, legal person authorization power of attorney, agent ID card.

3

Folk pawn process

1. Inspection and verification: First check whether the source of the pawn is legal, whether the identity card of the pawn (the company must provide a copy of the company's business license and the legal representative's qualification certificate) is valid and consistent with the person.

2. Appraisal and valuation Fill in the civil pawn business registration form: the appraiser will measure, price and count the pawn on the basis of identifying the authenticity of the object, and reasonably value the object. And negotiate with the customer the amount of pawn, pawn period.

3. Sign the contract: The business personnel of the pawn company print the national unified pawn ticket according to the civil product pawn business registration form and the customer ID card (the company business must provide a valid company business license and the legal representative qualification certificate), and if necessary, sign a supplementary contract, the pawn ticket and the supplementary contract are signed by the customer in person, and if the customer is a legal person pawn of the company, it must be signed by the company's legal representative in person and affixed with the company's official seal.

4. Seal the pawn: The pawn company custodian will seal the pawn in person and put it into the company's warehouse for proper storage. The handover of bulk materials also requires additional handover procedures.

5. Payment of pawn money: The cashier of the pawn company pays the pawn fee according to the amount payable of the pawn ticket under the premise of verifying that the pawn ticket and the supplementary contract are correct.

6. Redemption: The pawn returns the pawn and redeems the pawn. The owner must settle the comprehensive fees due to the outstanding payment in order to redeem the pawn.

7. Renewal: Fill in the renewal voucher. The current household needs to settle the upfront comprehensive fee before it can be renewed.