Customer Profile: China National Heavy Duty Truck Group Co., Ltd. (referred to as "China National Heavy Duty Truck Group"), formerly known as Jinan Automobile Manufacturing Plant, was founded in 1930 and is the cradle of China's heavy truck industry. In 1960, China produced its first heavy-duty vehicle - the Yellow River JN150 eight ton cargo truck, ending the history of China's inability to produce heavy-duty vehicles. In 2007, it successfully achieved a red chip listing on the main board in Hong Kong, becoming the first red chip stock in China's manufacturing industry to be listed, and initially establishing a platform for international development. The new generation of heavy-duty truck model, the Howo brand, which was independently developed in 2004, was born and launched to the market in 2005. It achieved a production and sales volume of over 10000 vehicles that year, setting a new record in the history of heavy-duty trucks in China. In 2013, the Shandeka series products with independent intellectual property rights were officially launched on the market, leading the development of China's heavy-duty automobile industry. In 2020, a new generation of high-end national brand "Yellow River" heavy-duty trucks will be launched globally, leading China's heavy-duty trucks towards world-class status.

Requirement analysis:

This electronic signature is mainly used for internal document issuance of China National Heavy Duty Truck Group and daily signing of automotive finance lending business. Assist China National Heavy Duty Truck Group in resolving the cost, efficiency, and other challenges faced in daily signing. ① In the signing of paper documents such as forms and contracts, it is difficult and time-consuming to verify the true identities of guarantors and borrowers, and there is a high risk of fraudulent signatures and carrot seals. This type of contract involves a large amount of money, and once a loophole occurs, the legal validity of the contract cannot be guaranteed. In the process of financing loan processing, there are many types and quantities of documents that need to be signed. Traditional paper documents rely solely on manual drafting, review, and transmission, resulting in long signing cycles, low efficiency, and inability to know the signing progress in real time, which delays the disbursement time. In addition, a large number of paper contract documents need to be sent to the headquarters for archiving, which is complex to manage. ③ China National Heavy Duty Truck Group's financial service system covers multiple provinces and cities across the country, with nearly a thousand dealer partners. The annual cost of paper, labor, express delivery, printing, warehousing and other related expenses incurred due to stamping in this type of financial borrowing business is high and difficult to optimize; Subsequent storage and querying are troublesome, the process lacks records, and evidence collection is difficult. The existing business software of China National Heavy Duty Truck Group's automotive finance business urgently needs to expand its online signing capabilities through the introduction of electronic signature applications, so that such services can be digitized throughout the entire process of application, credit reporting, approval, signing, and loan disbursement based on existing business software. The existing pan micro OA system has helped achieve electronic business processes, but the issuance of internal documents still lags behind the last mile of online signature and stamping. Solution: The contract lock is integrated with China National Heavy Duty Truck Group's financial business system and Pan Micro OA system, embedding applications such as identity authentication and electronic signatures into the online processes of financial borrowing and document issuance, enabling business application, approval, contract signing, and archiving; And the entire process of document approval, stamping, and red stamping is digitized. Enable external dealer stores to conduct signing and progress inquiries through the China National Heavy Duty Truck Group's financial business system. Full process real name protection and service tracking, to assist China National Heavy Duty Truck Group in efficiently and compliantly providing financial lending services and issuing official documents online.

Application scenarios:
Implement electronic signing of documents such as official documents, loan contracts, financing lease contracts, car purchase loan application forms, credit authorization letters, guarantee letters, etc.
Scenario 1: Electronic signature of credit authorization letter
When processing customer loan applications, various dealerships of China National Heavy Duty Truck Group need to query the customer's credit information, and in the query process, the customer must sign the "credit authorization letter" to authorize the query. By integrating with China National Heavy Duty Truck Group's financial system, the contract lock can provide "electronic templates for authorization letters, creation of signing processes, customer identity authentication, and electronic signature support" in the query process, allowing the business system to automatically initiate authorization letter signing based on the credit authorization status.
For example:
1. Quickly generate signed files on the business PC end

When dealers query customer credit information in the financial system, the system automatically calls the contract lock interface to generate signed files.

2. Mobile phone signature improves authorization query efficiency

In the past, in order to obtain customer credit authorization, a paper authorization letter must be drafted and sent to the customer (borrower) for handwritten signature confirmation. Not only does it have a long turnover period, but it cannot be guaranteed whether it is signed by the borrower himself during this period, and the risk is high. Now, in the credit authorization process, signatures can be easily initiated and borrowers can sign on their mobile devices. Real name authentication ensures their true identity, making it more secure and efficient.

img src=" https://dl.qiyuesuo.com/image/ea9e5200bf904a4dbdbc6df1b321409b.

(Initiate Signing - View Documents - Online Signature - Complete Signing - Check Signing Status)

Scenario 2: Electronic Signing of Loan Contract
For the signing of the loan contract by Heavy Duty Truck Finance, it requires multiple parties including the borrower, guarantor, distributor store, and Heavy Duty Truck Finance company to sign and take effect. Contract locks are integrated into the financial system to provide electronic signatures and identity authentication support. Through process driven online signing, all parties are able to complete the process in sequence, effectively eliminating the challenges of contract turnover in multiple locations, slow processing times, and high risks. For example, after initiating the signing in the financial business system, the signing status, contract documents, and specific signing information are automatically synchronized to the business system for real-time viewing.
Scenario 3: Electronic signing of financing lease contracts
Contract lock can provide electronic signing services for commercial vehicle financing lease business through integration with the financial system, allowing dealers, customers (lessees), and heavy truck finance to generate remote signing based on real name authentication and efficiently promote cooperation.

Scenario 4: Electronic signature of guarantee letter/application form
For documents such as guarantee letter and application form that require the guarantor or customer to sign unilaterally, after the dealer initiates the signing within the financial system, the external guarantor or customer completes the signing through a mobile SMS link, and the document is automatically archived immediately. Reduce the hassle of manual drafting, offline promotion, and express file transmission, and simplify the mechanical signing process.

Application value:
Unified dealer store automotive financial service electronic signature platform, allowing for mobile and remote signing of financial lending business documents, shortening the originally 3-7 day signing cycle to within 1 day, and improving signing efficiency. Ensure that all signing actions in each business process are authorized, recorded, and the identity of the signatory is trustworthy, so that business data can be verified and the process can be traced, and the signing work is standardized. By integrating with management software applications, we can bridge the last mile of digital transformation in lending and official document business. Click to enter and experience electronic signing for free now!