网范文：“UK Pawnshops: Traditional and Modern Way Of Lending” 随着经济衰退的持续,我们将继续看到商店关闭。然而,有一个特定的行业正在蓬勃发展,已经扩展成为最有前途的产业之一。自去年以来,全国典当行协会报道，在当铺行业估计增长8%，在英国越来越多中产高阶层人士把典当作为交换方式。它早已从一个简单的街角业务转变为借款人和债权人之间的合同。在英国当前有两种类型的典当行操作，英语论文题目，这篇经济范文从传统和现代的方式谈论了典当行业的发展，一是传统方式，英语论文范文，借款人去当铺对贵重物品评价，在面对面的基础上进行交易，双方达成一个特定的合同。二是在线的方式，互联网技术的发展,典当业现在可以通过联机事务。通过网上交易,评估和交付典当的物品，只需简单的鼠标点击。
As the recession continues to hurt the economy, we will continue seeing shops close left and right. However, there is a particular industry that is booming and has since expanded to become one of the most promising industries.
Since last year, the National Pawnbrokers Association has ed an estimated 8% growth in the pawnshop industry in UK as more and more middle to high class individuals turn to pawnshops as a way to get money in exchange of personal assets.
Through the years, it has long since evolved from a simple street corner business to a sophisticated and high end contract between a borrower and creditor. Pawnbroking services can vary depending on the pawnshops. There are those that accept wine collections or premium aged cheese as collateral.
Currently there are two types of pawnshops operating in UK:
Brick and Mortar – The traditional way of doing business. A borrower goes to a pawn shop to have their valuables appraised. Transactions are done on a face to face basis where both parties agree on a specific contract. The benefit of doing business with a brick and mortar pawnshop is that the borrower can build a relationship with the lender that can be beneficial for both. A borrower can easily get an extension on the due date or a lower interest rate if he has shown credible payment history and is considered as a regular by the owner. Lenders can get additional clients through referrals made by the borrower. It can also build reputation and increase clients in the long run. The downside of doing this kind of business is that you cannot easily expand and have immediate access to other clients and clients have to personally go to a store to have an item pawned.
Online - With the evolution of technology, pawnbroking can now be done through online transaction. Borrowers no longer need to go personally to a shop to have their valuables appraised. By doing online transaction, appraisal and delivery of pawned items and exchange of money can be done with a simple click of the mouse. It is all about convenience and making it easier and faster for the client. Furthermore, it gives access to a wider market as it makes it easier for other people to try borrowing from a pawnshop. The downside of doing this kind of business is that it does not go beyond a professional service. ()
Although service can be impeccable, it strictly follows certain policies and rules that can be a bit stifling and irritating for clients. Another cause for worry is that vital information such as address and name is being sent online, which makes it vulnerable to hackers and other internet savvy individuals.()
网站原创范文除特殊说明外一切图文作品权归所有；未经官方授权谢绝任何用途转载或刊发于媒体。，()
更多范文欢迎访问我们主页 当然有需求可以和我们 联系交流。-X()
|
