Visitors to Baoruitong, China’s biggest pawnbroker, are greeted by display cabinets of Swiss watches, diamond rings and jade ornaments. But the real action is in the private offices at the back, where agents appraise the value of much larger objects – houses and cars – as collateral for loans.
“If pawnshops have one distinguishing feature, it is that we are highly efficient,” said Dong Yi, Baoruitong’s operations manager. “We once lent a client Rmb10m [$1.6m] within four working hours of him coming to us about his house.
“If you bring your car here, we can get you money within one or two hours at most.”
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