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her Flexibility and Profits for Customers
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求。因此，我们能够以一个更具创意的方式，从一开始 就协助业者管理他们的资产，使他们在支付车贷的同时 也能取得收入。”
此外，他接着说，当他们采用斯堪尼亚信贷服务时，他 们将享有一个毫不麻烦，简单且又个人化的经验。申请 的手续快速简易。只要文件齐全，少于5辆的车子，从申 请到批准只需3至5个工作天。
他指出，当然公司会在通过融资申请前，对申请公司 进行财务方面如信贷和偿还的纪录、行为分析、背景 等调查。
“就如没有人比你自己更了解你的生意，没有任何人比我 们更了解我们的车辆。我们的产品专家和专门知识，使我 们能够优化资金成本和现金流量管理，为该部车辆的整个 生命周期规划出一个最佳的融资计划，不论您是向我们购 买一辆车或者是扩充您的整个车队。”他强调说。
他们在2013年2月间完成了第一个分期付款合约。现在， 他们拥有一个大约2亿万令吉的积极融资组合。这包括了 卡车和巴士业者。
“我们相当满意我们在2017年上半年的业务表现。每年 采用我们融资服务的客户人数都在增长。事实上，从最 初提供这个服务到现在，我们的增长率已经超过70%。”
在分期付款的车贷之外，该公司也提供保险服务。“我 们与Allianz合作，我们的配套是为了协助降低客户的财 务损失和最大化他们的运行时间而特别设计的。”
他指出，他们的保险服务从一个承诺开始，也就是他 们会按照合约里的条款和条件，覆盖客户在发生交通 事故时的修理成本。他说，整个斯堪尼亚公司，从斯 堪尼亚零部件、斯堪尼亚援助、索赔支援服务部门到 修车厂与保险专家都已经准备就绪，在最少的麻烦和 文书工作下，将客户的车子送修，竭力让车子尽早回 到路上。
他也补充说，该公司会确保客户的保险反映他们的需求。
“凭借着我们的一站式服务，我们能够将客户的停机时间 转变成正常运行时间。再者，客户能够放心，因为负责修 理他们的卡车的都是斯堪尼亚专家，而且采用的都是合 适的工具和原装的零部件。”
放眼长期，他说斯堪尼亚提供以司机为本的产品和服 务，如斯堪尼亚驾驶员培训、驾驶员辅导、驾驶员支援 及车队管理，协助避免交通事故的发生。
whether you are buying just one vehicle or expanding your fleet,” he stressed.
The first hire-purchase contract that the company processed was in February 2013. Now we have an active portfolio of approximately RM200 million. This comprised both truck and bus operators.
“We are quite happy with our performance for the first half of 2017. The take-up rate is growing every year. In fact, it has increased more than 70 per cent since we first began,” he added proudly.
Apart from hire purchase, the company also provided insurance service. “We are partnering with Allianz and our packages are specially designed to help our customers minimise their financial loss and maximise their uptime.”
Yang pointed out that when the customer insured with the com- pany, it started with a promise that the repair costs would be cov- ered in an accident within the agreed terms and conditions. The entire Scania organisation, he said, from Scania Parts, Scania As- sistance and claim support service to the workshop and insurance specialists stood ready to get the customer’s vehicle repaired and back on the road as soon as possible, with minimum fuss and paperwork.
Yang added that the company would ensure that the customer’s insurance reflected their needs.
“With our one-stop service, we are able to turn the downtime into uptime for our customers. Moreover, customers would be assured that their vehicles are repaired by a Scania expert, using the right tools and genuine parts.”
Looking at the long term, Yang said Scania offered driver-oriented products and services that helped to prevent accidents such as Scania Driver Training, Driver Coaching, Driver Support and Fleet Management.
Scania Financial Services is your trusted partner, providing flexible financing and insur- ance solutions tailored to give you predictable costs and manageable risks – over the entire lifecycle of your vehicle.
9 truck & bus news 2017/3
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