Recently, the Guangdong Jinyin Jewelry and Jade Manufacturers Association held an online micro-communication event with the theme of “Connecting the pawn of the financial industry to the jewellery industry in the new situationâ€, inviting the guest speaker, Ms. Tan Yingjia, the head of the Guanglian pawnshop, and the dialogue guests, Chinese Oriental Culture. Wu Xiaoyan, deputy secretary general of the Creative Industry Committee of the Research Society, shared with the members.
There are many jewelers looking for pawn financing.
Wu Xiaoyan said at a sharing event that Hong Kong-owned jewellery giant Chow Tai Fook released its 2015 annual report, saying that its net profit was almost the same as that of the previous year. The same-store sales of jewelry in the Mainland fell by more than 10% from the previous year. In fact, not only Chow Tai Fook, a considerable number of leading jewellery companies are currently facing downward pressure on profits. On the other hand, cooperation with jewelers is now valued by more and more pawnshops. Some analysts believe that the "spirits" that have been announced by jewelers are worthy of attention for pawn shops. According to relevant media reports, under the impact of both revenue and profit, the current total market value of Chow Tai Fook's share price has been more than 90 billion Hong Kong dollars lower than the 2014 high, a large drop of more than 70%. It’s not just the Chow Tai Fook family that is in trouble. For example, domestic jewellery giant Lao Fengxiang and Ming brand jewellery plummeted. It is reported that weak consumption, fierce market competition and the impact of e-commerce are now squeezing the profit margins of jewelers. It is the idea that one side is the decline of profits, and the other side is the need for funds to “developâ€. There are also a few jewelers who are looking for pawn financing. For the pawn industry where the return of civilian products is getting louder and louder, the cooperation with jewelers has become one of the outlets for the breakthrough bottleneck.
According to this analysis, the status quo of the jewelry industry may have certain business opportunities for pawn. "But the key is the industry's grasp of the customer market. One is the appraisal and evaluation, the other is the realization of cash. If there is a point in the transaction process, Properly, it should cause enough vigilance."
In this regard, Tan Yingjia believes that it is necessary to first talk about the history of jewelry pawns and other common sense. The Chinese pawnshop began to sprout in the Han Dynasty. It began in the Southern Dynasties Temple and was built in the Tang and Five Dynasties. It was established in the Northern and Southern Song Dynasties. It flourished in the Ming and Qing Dynasties and declined in the late Qing Dynasty and the early Republic of China. It was revived in contemporary reform and in the new century. development of. At the end of the Qing Dynasty and the beginning of the Republic of China, social unrest, the economy was dying, inflation caused currency confusion, and the pawn market was chaotic. On December 30, 1987, Chengdu, Sichuan established the first pawnshop in Chengdu after the reform and opening up, “Chengdu Huamao Pawn Service Firmâ€. Since then, this ancient and mysterious industry has quietly resurrected. It once disappeared in the Chinese mainland for more than 30 years, and it was miraculously reborn. After the takeover of the State Economic and Trade Commission, the pawn industry has experienced a period of standardization and rectification from 1996 to 2002, and entered a stage of stable development after 2003.
Precious metal jade diamonds, etc. can be pawned
Tan Yingjia believes that at present, the broad categories of pawn business include movable property pledge loans and real estate mortgage loans. Pawn business includes but is not limited to gems, diamonds, jade, watches, cars, houses, etc. Among them, the jewellery pawn belongs to the movable property pledge. What type of civilian products are suitable for pawns? Commonly used precious metals, jadeites, hetian jade, diamonds, etc., including luxury brands, can be pawned. Among them, precious metals are a type of pawn that the pawnshop likes, mainly including gold, platinum, and k gold. Although, in general, these kinds of civilian products can be pawned, but it is still necessary to analyze the specific conditions of each product, such as true and false, value, purchase path and market recognition. There is no fixed ratio of discount rate. . In short, in the pawnshop, there must be “one thing and one valuationâ€. Even if it is the same type of jewelry, if the size and quality are different, the valuation will vary greatly. Therefore, the jewellery pawn road does not seem to be so good. “It’s not easy to work with jewelers. The valuation is complicated. Because the price they sell is not low, so the amount they want to borrow will be higher. Once you feel that you can’t afford to borrow money from the pawnshop, you can only If you say that the above situation is still a kind of "normal", then some jewelers who come to pawn with bad purpose will be suspected of "deception".
An operator who has been dealing with jade pawns for a long time said: "To deal with such customers, the loan amount is over one million yuan. We have encountered such an example. Some jewelers brought two boxes of jade to open the mouth. 5 million yuan, in fact, the quality of these jade is not good, the density is not high, the valuation can only borrow 200,000 to 300,000 yuan."
Wu Xiaoyan believes that when it comes to price, I want to know the price that the goods can be sold in the pawnshop, which is often far lower than the original price of the goods. Why? Tan Yingjia replied: "When customers purchase goods, they have already paid for the merchants a number of premium factors such as cost, profit, design, service, brand, etc. However, at the time of the ceremony, the goods are basically discounted at the price of raw materials. Items that come to pawn, regardless of whether the customer considers redemption, pawn personnel must consider their post-disposal situation. All items that come to the pawn, even if they are never worn or used, can only be used Known as the 'hand-handling item', it can only be discounted by second-hand goods. When these goods are resold through pawn shops, they must have considerable price appeal to fight through the new products in the mall. The pawn is also a business, need to be I keep the profit margin myself. Therefore, considering all the above factors, the price of the pawn will be lower than the expectations of the household.
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