汽车销售中金融服务费收取乱象及规制——以“西安奔驰女车主维权事件”为例

"Arbitrary Charges"Concerning the Financial Service of Automobile Sales and Means of Regulation on It——Taking"Xi'an Rights Protection Event of a Female Buyer of a Mercedes Car"for Example

“西安奔驰女车主维权事件”潦草落下帷幕,但它揭示的金融服务“乱收费”问题却依旧引人深思。本文通过对金融服务费的概念辨析及法定收取主体的梳理,发现汽车经销商存在不同角色定位。对于其能否收取金融服务费并不能一概而论,并进一步分析得出,汽车销售中金融服务费收取乱象的原因在于汽车经销商片区独大、买卖双方地位不平等以及金融监管不力。因而提出制定汽车销售行业金融服务价目表、实行“双责制”惩罚机制、推行汽车销售合同示范文本制度和制定《汽车贷款服务公约》等完善建议。

"Xi'an rights protection event of a female buyer of a Mercedes Benz"was ended hastily and roughly,but it reveals that there exists"arbitrary charges"regarding the financial services industry,which is still thought-provoking.Based on an analysis of the concept of financial service fees and a combing to the legal receivers of such fees,this paper finds that automobile dealers play different roles in the line of automobile marketing,and whether it is lawful for them to charge a certain financial service fee depends largely on the situation.The reason for"arbitrary charges"in automobile sales lies in the too much power granted to automobile dealers,the unequal status of buyers and sellers and the lack of financial supervision.Therefore,to improve the present situation,some suggestions are put forward in this paper,such as formulating a financial service price list of automobile sales industry,implementing the penalty mechanism of"double responsibility system",displaying publicly the model text of automobile sales contract,and bringing into the open The Auto Loan Servicing Convention etc.