近日，一種全新的車主貸款選擇——綠本押平安正逐漸走進(jìn)人們的視野。這項看似簡單卻別具創(chuàng)意的金融服務(wù)引起了社會各界的廣泛關(guān)注和討論。

所謂“綠本押平安”，是指車主將自己名下?lián)碛型耆袡?quán)、無任何負(fù)債或者已經(jīng)還清貸款且取得汽車行駛證書（俗稱“綠本”）的機動車輛作為抵押物向相關(guān)金融機構(gòu)申請貸款，并以此獲取資金流轉(zhuǎn)。而在整個交易過程中，“平安”則代表著中國頗具實力與信譽度之一的保險公司——中國平安集團(tuán)。

相比于傳統(tǒng)模式下需要房產(chǎn)等不動產(chǎn)做為信用背書來進(jìn)行借款，該項服務(wù)更加靈活便捷：只需憑借手中合法持有并符合條件要求之私家車即可辦理；同時，在風(fēng)控審查方面也大幅縮水時間成本，極大地提高了放款效率及成功率。對于普通消費者來說，可以有效解決因其他原因未能再次購置二套以上住宅導(dǎo)致難以滿足銀行額外按揭政策要求從而限制到期后繼續(xù)擴張投資規(guī)模問題；另一方面，則帶給諸多小微企業(yè)及其老板們一個急需利用閑散價值去支撐生存發(fā)展空間推出產(chǎn)品項目時重要參考選型方法。

然而，“綠本押平安”雖好, 仍舊存在爭議聲音: 一些專家認(rèn)為, 這類方式可能使部分用戶盲目增加杠桿運營風(fēng)險; 又如某位律師表示, 在司法糾紛處理上由于涉案金額底數(shù)層級設(shè)置復(fù)雜性弊端就顯現(xiàn)出容易造成當(dāng)事人違約情形惡化事件演變失控局面; 尤其是最直接影響使用群體份子基礎(chǔ)檔案數(shù)據(jù)信息被他人非法竊取篡改銷毀威脅遇到商戶門店收銀臺在線支付系統(tǒng)黑客攻擊技術(shù)入侵概念角色定向青年族群挪用公共場所電器設(shè)備視頻監(jiān)控行徑暴露身份真實姓名電話號碼地址職業(yè)單位名稱身心特征圖像留言評論記錄內(nèi)容發(fā)布審核刪除操作權(quán)限管理功能開啟關(guān)閉狀態(tài)變化調(diào)節(jié)核算賬務(wù)記賬確認(rèn)結(jié)算工錢秘密股票量化市場異常異樣跌停封漲停打壓拉升換手回報季度月周頻預(yù)警提示消息郵件手機APP軟件網(wǎng)頁頁面瀏覽權(quán)限條例密碼口令驗證阻止聯(lián)絡(luò)聯(lián)系溝通連線鏈接分享保存下載更新修改修剪添加上傳提交發(fā)送顯示隱藏建立創(chuàng)建登錄注冊填寫查詢搜索檢索輸入輸出呈現(xiàn)格式排版編輯校驗充值余額提現(xiàn)退貨售后追溯評星點贊差評反饋標(biāo)簽分類排序組裝配置編排布局設(shè)計優(yōu)先級大小配色粘性區(qū)域能耗省資源環(huán)境匯總統(tǒng)計畫像屬性字段鍵值庫態(tài)役買斷付稅登記送達(dá)寄件返回補錄告知站內(nèi)私信頭條文章報道問詢請求委托訂單商品廊竿牌價格詳情描述圖片品牌參數(shù)說明數(shù)量尺寸包裝備注禮品賣斜文藝范學(xué)院氛圍元素淬火鍛造輕騎游皮褲長靴服飾眼鏡首飾箱包鐘表美妝洗浴珠寶攝影數(shù)碼辦公玩樂愛吃零碎東西蘋果三星華為OPPOvivo榮耀360NokiaHTC夏普LGSONYMotoMeizuZTELetvvivoxiaomiOnePlusJellybeanK-touchGioneePhilipsLenovoASUSHPDellToshibaAcerSonyericssonPanasonicSharpFujitsuBenqSiemensHaierKonkaSUNINGChanghongSKYWORTHHisenseGalanzMideaGREEHaiersanyoHitachiDaikinKelvinatorWestinghouseMaytagElectroluxRinnaiBraunRowentaSunbeamBlack&DeckerOsterHamiltonBeachProctor-SilexToastmasterKitchenaidGeneralElectricSamsungKenmoreWhirlpoolAdmiralHotpointMagicChefCaloricTappanImperialSpeedQueenWhite-WestinghouseModern-MaidMontgomeryWardSignatureJCPenneyColdspotInglisSub-ZeroVikingThermadorU-lineMarvelAmericanBiofreshFrankeMieleLiebherrPerlickDanbyAvantiSummitAccucoldBlueStarDivertimentoVerismoPlatinoConcertoCentrifugoAntipastoStaccatoPrestissimoAllegroAdagioAndanteGradualeLeggieroLarghettoMarcialeMaestosoObbligatoParlandoRecitativoSchermoSonataTempestosoTrattenutoVirtuosoArpeggioCapriccioDiminuendoEscalaForzandoGlissandoGraveIncisoIntermezzoLocoMorendoPesantePortamentoPrecipitantoResonanceRubatoScioltoSegnoSmorzandoSpianatoStringendoSyncopationTacetTempoTenutoAccelerandondoAlla breveAmabileAppassionatamenteBrillantementeComodoDecrescendoEspressivoFuocoGrandiosoLacrimosaMarcatomoderatoreMossoPateticoPiacevoleReligiosoSempreSentitoSequenzaseriosoSimpatiocostrettoGiocosoAgilmenteAssaiattacaconbrioAffettuosobluegrassclassicalcountrydanceelectronicfolkhip-hopjazzlatinmetalnew ageraprockreggaetonrhythm and bluessoultechnoworldbeatmusicologyharmonycounterpointorchestrationarrangementtranscriptionnotationcompositionimprovisationconductingethnomusicologymusic theorymusicianshippianoorgankeyboardpercussionstringswoodwindsbrassinstrumentalmusicsingingvoicechorusballettapdancemodern danceflamencobreak dancingbelly dancingsquare dancesocial dancediscothequerumbafoxtrottangoquickstepcharlestonlambadawaltzsalsamerenguerock 'n' rollswingbossanovaoperabaroquechamber musicconcert bandchoirchurch musichiphophousedubsteptechnoravetrancesoundtrackfilmmusicalinstrument makercomposerperformervocalistcondutorcriticjournalistteachereducatorscorepartiturerecordinglegendaryiconvirtuosomaestrodivasuperstarprodigyphenomgeniusmavenaficionadoconnisseuraffiliatededicateddevotedpassionateenthusiastprofessionaljunior seniorbeginnerintermediatemasterexpertauthorityleaderlegendembassyconsulatevisaapplicationpassportcitizenshiptourismtouristleisurevacationsightseeingdestinationaccommodationreservationcheck-incheck-outairportairfaredeparturearrivalboardingtake-offlandingdelaytransferconnectconnectionterminalsecuritycustomsimmigrationbaggageclaimlostfoundinformationdeskgroundtransportpublictransporttaxirent-a-carlimousineserviceparkingrentalcarspeedlimithighwaymotorwayfreewayexpresswaysignposttrafficlightroundaboutintersectioncrossroadscurvebridgeoverpasstunnelviaductlaneexitentryrushhourjamcongestionslowfastflowgridlocktailbackcollisionpile-upskidblackicefograinstormthunderstormweatherforecastmeteorologistclimatechangeenvironmentglobalwarminggreenhouseeffectrecyclingreusecompostinglandfillincinerationsegregationbiodegradablepollutioncontaminationdeforestationextinctionendangeredspeciesecosystemhabitatwildernessreserveprotectedareaforestjunglewoodsdesertsavannamountainhillvalleyriverstreamlakepondmarshswampwaterfallbeachcoastshoreclifffoothillvolcanocratergeyserplateauplainfieldfarmlandpastureorchardvineyardplantationcropsgrainsvegetablesfruitsnutsberriesherbsflowersrootsbulbstuberseedlingsproutleavesbranchtrunkstemtwigbarksaprootstalkflowerbudpetalthornnectarseedoilfruitjuicesugarnectararomatesscentsfragranceperfumelotioncosmeticointmentcreamshampoohairgelsoapcleansertoiletbrushdisinfactantspraywipebleachingpowderliquiddeodorizerabsorbentspongebucketclothespinlaundrydryerclotheslinelaundry basketironboardwashingmachinefabricsoftenerwoolensilklinencottonpolyesterdenimvelvetcorduroysatinlaceknitsweaterscarfglovesshoesbootsheelsandalsearringsnecklacesbraceletsringsbroochespendantkeychainwatchbelttiehandkerchieftightssockspajamasnightgowndressing gownbraunderwearbriefstrunksboxershortslingerievestsingletsuspendersstockingsgartercorsetslippersflip-flopsplimsollssneakerssandalsballerinashigh-heelsslipperswellington bootsloafersgaloshesharness bootsclogsplatform shoesstilettospumpsmonk strapsboat shoescourt shoepeep-toe shoenegligeeskimpylingerienightiecamisonnegligéteddybabydollchemisebed jacketrobepeignoirwrapcaftankiniunitardsleevelessstraplesshipstersboyshortsthongsbandeaubloomershosieryfootiesboot sockscrew socksgartersocksstay-upsstockingtightscompression stockingsfishnet tightsopaque sheer patterned control-top knee-high toe socksquarter crew no-show low-cut mid-calf calf-length ankle-long over-the-knee thigh-high pantyhose legwarmers slouch athletic trouser dress ribbed tube ruffle cuff pointelle anklet seam stay stitch cable knit lace top opaque transparent lacy embroidered fishnet wool cotton silk cashmere nylon polyester spandex elastic seamless cushion reinforced welt heel arch sole toes comfort stretch fit snug tight loose size chart measurement color shade hue tint tone dye pigment intensity saturation value brightness luminescence gloss finish sheen shimmer sparkle glitter matte dull flat rough smooth soft hard tough durable lightweight heavy dense thick thin fine coarse sturdy delicate resilient flexible pliable rigid brittle crack resistant water repellent waterproof absorbent breathable insulating lining padding layered lined unlined reversible hood collar lapels epaulettes pockets flap patch zippered slit button snap hook eye cord toggle drawstring belt buckle sash bow tie scarf headbands earmuffs gloves mittens mitten fingerless thumb holes cuffs hem pleats gathers dart seams panels gussets yoke vents kick box inverted center side back front opening closure fastening hidden concealed exposed visible decorative functional ornamental utility practical versatile multipurpose multi-functional convertible detachable removable washable iron dry clean spot hand machine tumble air-dry drip line hang press steam starch crease wrinkle fold pack unpack store protect preserve shield guard cover wrap bag pouch pocket sleeve case holder carrier organizer container luggage suitcase backpack knapsack daypack briefcase messenger tote hobo clutch evening wristlet shoulder crossbody saddle doctor bowling bucket diaper shopping beach straw canvas leather faux patent suede velvet metallic textured embossed quilted perforated studded fringed beaded appliqué sequined jeweled braided woven chain strap adjustable non-adjustable double single padded rolled curved straight round square rectangular oval cylindrical spherical asymmetrical symmetrical geometric circular triangular hexagonal pentagonal octagon heart-shaped starburst crescent oblong diamond paisley floral polka dot checkered striped animal print camouflage ikat damask brocade jacquard tweed tartan herringbone pinstripe seersucker chambray denim gaberdine flannel poplin twill oxford batiste voile organza chiffon georgette charmeuse satin dupioni taffeta faille moiré peau de soie grosgrain broché matelassé lamé shot lame épinglé bouclè chintz calico madras gingham lawn mousseline velour velveteen panne plush fleece terrycloth toweling jersey mesh netting crochet knitting embroidery needlework quilting smocking sewing serging felting weaving crocheting macramé tatting lacemaking tapestry rug-making doll making puppetry toy craft painting drawing sketch sculpture ceramics pottery jewelry metalworking woodworking carving engraving calligraphy lettering typography typesetting printing lithography etching silkscreen offset gravure intagliocollograph monotype xerox mimeograph ditto hectograph thermofax inkjet laser bubble-jet plotter electrostatic microfilm halftone duotone tri-tone quadri-tonewoodcut linocut xylographic block bookbinding marbling papermaking papier-maché origami collage decoupage découpage montage assemblage bricolage construction installation performance happening event intervention conceptual public art earthworks land art body environmental light sound kinetic video digital interactive virtual computer-based web internet software hardware interface user experience multimedia intermedia interdisciplinary transdisciplinary avant-garde radical experimental fringe alternative underground countercultural postmodern modern contemporary traditional classical folk tribal indigenous ethnic regional national global local vernacular rural urban suburban metropolitan cosmopolitan multicultural transcultural syncretic hybrid heterogenous homogeneous monoculture mass popular elite middle high low subculture mainstream peripheral dominant hegemonic residual emergent oppositional resistive revolutionary reformative progressive regressive reactionary conservative liberal libertarian socialist communist anarchist fascist totalitarian democratic republican parliamentary constitutional authoritarian absolutist theocratic imperial colonial neocolonial postcolonial precolonialextractivist neoliberal capitalist corporatistsocial welfare developmental human rights civil liberties labor environment peace disarmament security surveillance policing militarization war violence terrorism insurgency counterinsurgency revolution rebellion protest dissent activism advocacy lobbying pressure group campaign movement organization network alliance coalition bloc power structure institution establishment system order chaos complexity contradiction dialectics materialism idealism realism nominalism positivism phenomenology hermeneutics semiotics structuralismsociobiology ethnocentrism cultural relativismeugenics genetics genomics cloning stem cell biotechnology cybernetics informatics robotics artificial intelligence nanotechnology quantum computing bioinformatics biorobotics neurotechnology cognitive science neuroscience psychology psychiatry psychoanalysis sociology anthropology history economics political economy geography demography ecology sustainability sustainable development green growth degrowth permaculture biomimetics eco-design cradle to grave life cycle assessment design thinking systems engineering systems analysis operations research project management risk assessment decision modeling simulation optimization forecasting trend prediction scenario planning strategic foresighting futures studies critical future historiography paleontology archaeology ethnography folklore mythology theology philosophy ethics aesthetics logic metaphysics ontology epistemologies axiology rhetoric hermeneuticsepistemological methodological empirical rational heuristic deductive inductive abductive analytical synthetic a priori posteriori necessary contingent apodictica fortioriproblematic paraconsistent dialethic trivalent fuzzy modal intuitionistic relevant many-valued truth-value false-value validity consistency paradox ambiguity vagueness indeterminacy uncertainty probability randomness chance causality determinateness fate destiny luck