郑州中原保时捷中心闭店续：银行称关单在第三方监管机构处

Core Viewpoint - The incident involving the closure of the Zhengzhou Zhongyuan Porsche Center has raised concerns among car owners regarding the status of their vehicle import certificates (guandan), which are currently being held as collateral by a bank for a dealer's credit application [2][4]. Group 1: Incident Overview - On January 7, affected car owners reported that they had paid in full for their vehicles but had not received the necessary import certificates, which are required for vehicle registration [2]. - Porsche China informed the car owners that the import certificates are being used as collateral for the dealer's bulk vehicle procurement loan and have not yet been released [4]. - Affected car owners have expressed confusion over the status of their vehicles, as they were unaware that their cars were being used as collateral [4][5]. Group 2: Legal Implications - Legal experts have stated that the import certificates do not possess independent property value and cannot be used as collateral or for mortgage purposes [7][9]. - According to legal interpretations, the delivery of the vehicle grants the consumer ownership rights, and they are entitled to receive all necessary documentation for vehicle registration [8]. - The financial institution's claim to the vehicles as collateral may not hold against the consumers' rights, as the certificates are not valid for such purposes under current laws [9]. Group 3: Consumer Rights and Actions - Consumers have the right to demand the return of their vehicles and associated documentation due to the dealer's failure to fulfill contractual obligations [8]. - Legal avenues include filing complaints with consumer protection agencies and financial regulatory bodies to address the issues surrounding the bank's credit approval processes [7][8]. - The situation has affected multiple car owners, with many unable to register their vehicles due to expired temporary license plates [5].