·The car renting out can't come back to the "P2P" car rental risk

On February 16, Zhang Yang and the police found her lost "golf" at the Yongsheng Hotel in Bazhou, Hebei, but the owner of the car refused to return the car.
On March 31, Li Shihu and five other owners of lost rental cars reached a preliminary compensation agreement with the “Friends Renting Cars”.
As of yesterday, Zhang Yang’s “Baojia Account” showed that her lost vehicle had not been returned for more than 52 days. Although the police have already filed a case, it is still not possible to quickly recover the vehicle. Photo/New Beijing News reporter He Guang ■ Data Since the beginning of this year, there have been more than 20 car owners in the WeChat group called “Car owners”, releasing information on lost cars. Private cars with a total value of over 10 million were resold by criminals. The longest lost time in these vehicles has been four months. These owners are from Beijing, Shanghai, Guangdong and other provinces. They are distributed in many car rental platforms such as Baojia Renting Car, Friends Renting Car, PP Car Rental and Bumper Car Rental.
Instead of letting the vehicle sit idle, it's better to put it on the car sharing platform. On a P2P platform, tenants and car owners are free to “pair”, ordering online, picking up cars, and affordable.
Behind the "dividends", there are risks. The cars that are rented out a lot have no return, which brings irreparable economic losses to the owners.
On February 13 this year, Beijing Auto advocated renting its Volkswagen Golf Car to Tan via the online car rental platform “Baojia Rent a Car”. Unexpectedly, after only three days, Zhang Yang found that his car was hung on the Internet for sale at a low price.
Since the beginning of this year, only in a WeChat group that is looking for a lost rental car, there are private cars with a total value of over 10 million being resold by criminals.
According to the information collected by the China Road Transport Association, the proportion of rented vehicles in some areas in the total number of rented vehicles is up to 8%. Most of the deceived vehicles flow into the black market through investment guarantees and loan mortgages.
Zhang Yibing, an expert from the China Road Transport Association, said that when a third-party mortgage platform receives a non-procedure vehicle at a low price, if it cannot be defined in the “good faith” or “buy and accept” at the legal level, then the environment of car rental safety will be Hard to change.
尴尬 The vehicle was illegally mortgaged and recovered. Zhang Yang’s contact with the P2P rental car software was not accidental. She used the car rental software abroad. “Every time I run out, I return the car, which is very easy.”
In January of this year, Zhang Yang spent 180,000 yuan to buy a "VW Golf" and was ready to rent out to earn extra money. Zhang Yang said that according to the daily rent of 300 yuan, conservative calculations, her car monthly income should reach 8,000 yuan.
On February 11th, Zhang Yang registered a car to rent a car, claiming “zero loss rate of vehicles”. On February 13th, Zhang Yang’s golf officially went on the line. In less than two hours, a man named Tan Xianghai placed an order. Later, the two met at the gate of Wangjing East Lake Police Station, showing relevant documents and signing orders. After half an hour, the man drove the car away smoothly.
The bonus of renting a car is tempting, and there is no sign of risk. On February 16th, on the third day of renting a car to Tan Xianghai, Zhang Yang found that someone sold his car at a low price on the Internet, so he quickly contacted Bao to rent a car. Baojia replied that “GPS display is abnormal”, and then call the tenant Tan Xianghai, the other party has been shut down. At this time she knew that the car was "illegally mortgaged".
GPS shows that the vehicle is in Bazhou, Hebei Province. Zhang Yang contacted the “new car owner” for the first time. The other party claimed to be surnamed Sun. He was the owner of a mortgage car. The car was purchased in Hebei Bazhou for 55,000 yuan from a person named Wu Ming. I want to get the car and get the money. After several negotiations, there was no result, Zhang Yang had to call the police. "At present, although the police have filed a case and promised to pursue Tan, they are not so easy. It is necessary to catch people first, and wait for the event to be finalized and closed before the car can be returned."
Zhang Yang’s business is not a case. According to the data collected by the China Road Transport Association, in recent years, the proportion of detained rental vehicles in the country has been 3% of rental vehicles, and in some areas more than 8%; in Shanghai, Fujian, Zhangzhou, Henan, Zhengzhou, there have been car rental fraud cases with a value of more than 10 million yuan. In the case, in 2010, 1700 vehicles were defrauded in Nanning, with a case of car rental fraud of 180 million yuan.
The search for a car was confined by the mortgaged vehicle. From the loss of the car to the present, Zhang Yang spent the entire two months looking for a car, almost impossible to work properly.
After looking for media and online help, Zhang Yang found that nearly 20 car owners had similar experiences with her. In addition to the car rental platform, these owners also had owners from PP car rental, friends renting cars and bump car rental.
Not only the owner of the car, but the owner of the second-hand car dealer also suffered a "illegal mortgage" loss. Jia Menghua is the owner of a used car dealer. He said that in the past two years, some people have mortgaged the rented car and forged the documents. When he just started, the police came to the door and he had to return the car to the owner. To this end, he has lost more than 800,000 yuan.
Since then, Jia Menghua has been looking for scammers, and through the "friend circle" to help the car owners find a car. At present, four car owners have been helped to find lost vehicles.
In a group of WeChat members of Zhang Yangjian, every day, thousands of miles are searched for cars.
Dongguan Zhang Hao's 400,000-odd Audi car disappeared the next day after renting it through the PP rental car.
According to the GPS information, Zhang Hao and PP car rental control personnel rushed to Shenzhen. Zhang Hao saw his own car in a logistics company. The front windshield was damaged, the driving recorder was disassembled, and the memory card inside the car was pulled out. The lights have also been damaged.
Taking advantage of the late night, Zhang Hao used the spare key to "steal" the car away. Subsequent feedback, his car was entrusted to the logistics company by the tenant and was consigned to the field for sale.
Zhang Hao is fortunate. The vast majority of unfortunate car owners are still on the way to find a car. Some car owners don’t even know who the car is. Many local police told the car owners that such cases were economic disputes and were not filed.
Are such acts fraud, burglary, or economic disputes? There is no unified statement from the police at the location of many car owners.
Wang Yongjie, director of the China University of Political Science and Law, believes that in Zhang Yang’s case, the vehicle has been identified as a “stealing and stealing” state, and the police should immediately seize the stolen vehicle.
In the interview with the Beijing News, car rental expert Zhang Yibing said that whether the motor vehicle is pawn or sold, according to the "Management Measures for Motor Vehicles" or "Pawn Management Measures", both parties should carry out vehicle change or mortgage change in the competent department. Registration, otherwise mortgage and sale are illegal.
In Zhang Yang’s case, Wang Yongjie, the researcher of the China University of Political Science and Law, believes that since the actual owner of the vehicle, Zhang Yang, has not mortgaged his car, the mortgage contract signed by the tenant and the car dealer in Bazhou is invalid because it is not complete. The mortgage of the vehicle formality itself is illegal, and the party taking over the vehicle should return the vehicle.
In Zhang Yibing’s experience, many tenants have changed their vehicles without any formalities. Many pawn shops and mortgage dealers are still accepting mortgages if they know that the mortgager has not completed the formalities and the price is far below the market price. There are even pawnshops and mortgage dealers involved in renting vehicle fraud.
At the same time, the crackdown on the public security organs has not been strengthened. Some cases have also identified the cases of fraud as economic disputes. "This is an indirect connivance of fraud."
Flowing into the black market in the form of mortgages for rental vehicles In fact, rental vehicles have been mortgaged by tenants and resale has been rampant in the car rental industry. According to informed sources, vehicles can still be used normally after repeated rounds of hand-offs, and even licenses are on the road.
On March 28th, the reporter rented a Chevrolet Jingcheng on the PP car rental platform for a period of three days. The car purchased in 2006 with a journey of no more than 30,000 kilometers, the rent plus the insurance deposit was prepaid to the platform. 3,400 yuan.
The car rental process is very simple. The registered car rental account only needs to send the ID card and the driver's license related photos to be approved, until the reporter successfully rents the car, and does not receive any face-to-face verification phone.
In the following two days, the reporter drove this car to a number of secured loan mortgage dealers to ask if there is no formal collateral.
In the vicinity of Sanyuanqiao, Manager Li of an investment management company said that for cars that have no formalities, the company only accepts mortgages and does not accept resale. "The car without formality can only be worth a fast transaction price, that is, the black car price." .
Manager Wang of Haidian Zhongguancun Investment Management Co., Ltd. also said that it can be used as a mortgage for non-procedure vehicles, but the price is relatively low.
On March 30, in the largest used car trading market in Huaxiang Town, Beijing, more than 10 car buyers were willing to buy the untied car rented by the reporter for about 30,000 yuan.
The comparison is not difficult to find the tenant's motive for illegally recharging or reselling the car. The reporter's car rental deposit only cost 3,400 yuan, and then it can easily be sold at a price of 30,000 yuan, and the profit is nearly 10 times.
The used car operator Jia Menghua has been doing second-hand car mortgage business for many years. He introduced that the rental car fraud gang has a clear division of labor. Some people have subsidized the car rental deposit. Some people are responsible for hiring a car rental platform account to rent a car. Some people are responsible for issuing mortgage resale information.
"They have a very narrow division of labor and they don't see each other." Jia Menghua said that illegal criminals who buy rental cars generally issue mortgages or resale information through the Internet or social media. Especially after the emergence of social tools such as WeChat and Weibo, the information on the rental car is more fraudulent. For the sake of flooding.
Jia Menghua revealed that one of the common points when illegal elements are released is that the price is generally lower than the market price. In the information expression, “naked car out” will be used. "They still have someone who is responsible for the fake certificate and then mortgages it in the form of a normal car. It is hard to prevent."
There is no uniform payment standard in the claim industry. For Zhang Yang and most car owners, losing a car is a nightmare. The claim is another nightmare. "No one is willing to bear my loss."
In the eyes of the owners, the loss of telephone bills, transportation expenses, working hours, energy, etc., are all trivial. If the car can't be found, the car owner will also face a series of problems such as car indicators, car insurance, and liability for violations.
What is particularly puzzled by Zhang Yang is that Baochao is not willing to make any compensation for the loss of the car if the vehicle is not recovered.
The Beijing News reporter learned that the tenant had paid a car rental deposit of about 6,000 yuan when renting a car. Zhang Yang believes that the car was lost, the money should be returned to her as the first compensation, but the incident was two months, Baochao did not give her a penny. Bao’s “first advance insurance compensation plan” does not apply to Zhang Yang’s case, because the advance payment of insurance claims is only for vehicles that the police have identified as stolen. In the police's determination, her car was filed on "fraud."
The other two car rental companies in the industry - Friends of the car rental and PP car rental on the issue of the use of the bottom of the compensation method, for the confirmation of vehicles that cannot be recovered within three months, the platform will make special exception payments to the lost owner.
On March 31, Li Shihu, the owner of the lost car, and the other five car owners went to the friend-friendly car rental platform, hoping to get a saying. In the face of the owner's appeal, Wang You, the director of public transportation for friends, promised that if the owner fails to get the vehicle within a certain period of time, the platform will also make corresponding compensation according to the evaluation value of the vehicle.
A risk control officer of the PP rental car company and the owner of the company’s lost car also confirmed that the PP rental car will give the owner a proper outage compensation after the owner’s vehicle is lost. If the vehicle fails to be retrieved within a certain period of time, the platform will also respond accordingly. Loss compensation.
The risk control staff said that because there is no clear division of responsibility for the car-losing incident in the industry, they do so to restore the trust of the owners.
Regulating the car rental platform "wind control" is a soft rib to face a large number of lost vehicles, and the car rental platform is also trying to find a way to crack.
Most of the car rental platforms have a strict auditing and certification mechanism. At present, most platforms conduct comprehensive evaluations on identity suspiciousness, credit history, performance capability, and personal connections when reviewing tenant status. Finally, it is necessary to determine whether the hirer is suitable for the evaluation of the rental car on the platform.
However, all the owners of the lost vehicles have confirmed that the tenants involved have successfully passed the identity certification of the rental platform.
Companies such as PP rental cars have also established their own risk control security team. “Our staff will install a smart box in the private car that has passed the audit for positioning and navigation. The weather control security team will monitor it in real time for 24 hours. The abnormal response will be the first time.” Mr. Zhu Tingting, head of PP Car Rental Public Relations Department disclose.
Like the PP car rental, all the car rental platforms at this stage have installed GPS for the vehicles in the station, but Zhang Yang and other car owners believe that the effect is not obvious in the early stage of the vehicle fraud.
“The tenant will disassemble the GPS at the first time when the mortgage is resold.” An industry insider revealed that the hidden and functional GPS is difficult to disassemble, but it is expensive and rarely used by car rental platforms.
On March 27th, Youyou Car Rental, together with PP Car Rental, Baojia Renting Car, and Bumper Car Rental, set up an industry integrity alliance. Anyone with gray order information will inform the rest of the linkage enterprises and give an early warning.
This measure began to take effect on the second day. On March 28, Mr. Zhang from Dongguan successfully recovered the resold vehicles through the early warning information sent by other car rental platforms.
■ Solving “should establish a national car rental credit system”
Cao Hongming, a member of the National Committee of the Chinese People's Political Consultative Conference and the secretary-general of the Central Committee of the Communist Party of China, conducted a detailed investigation on the problem of lost cars in the vehicle rental industry. He also submitted a proposal during the two sessions this year, suggesting that China establish a national car rental credit system to cope with the increasingly rampant car rental. Fraud problem.
He suggested that the Ministry of Public Security, the Ministry of Transport, and the Ministry of Commerce convene the China Road Transportation Association and some car rental companies to jointly prepare and build a "car rental credit system."
Among them, the public security department provides citizen ID card information, publicly released wanted information, various criminal records, and annual inspection records of drivers in local traffic control departments. The Ministry of Transport requires leasing companies to provide data to the "car rental credit system." The business department also issues to second-hand car dealers, motor vehicle pawn and mortgage agencies, and vehicles registered in the system are not allowed to buy, sell, pawn or mortgage.
Zhang Yibing, a senior engineer of the China Road Transport Association, who participated in the research and preparation of this proposal, also proposed to improve the legislation to identify the “mortgage leased vehicles”.
Zhang Yibing said that some public security departments believe that mortgage, pledge, pawn rental vehicles are economic disputes, and the report of car rental companies is not filed, resulting in car rental fraud crimes can not be hit in time. Therefore, it is also recommended that the Ministry of Public Security increase the implementation of the mortgage, pledge, pawn, resale and leased vehicles as the implementation rules of contract fraud in the relevant criminal cases, and effectively combat the crime of car rental fraud.
In fact, as early as 2010, the China Road Transportation Association had done a special study on the issue of car rental fraud, and drafted a "car rental fraud problem and its solutions", including the establishment of a national car rental safety information system. And improve the legislation, such as clarifying the distinction between third-party “good faith acquisition” and “buy and collect”, under the premise of determining that the interests of the owner of the rental vehicle are infringed, determine the special law to support the owner to force the vehicle to be retrieved, etc. Crack to find the car but not to look back.

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