Recently, I have been a risk control commissioner at a car loan company. Does anyone know the process of car loan risk control? How can I do it? Let me talk about it in detail?

The basic process of this business is as follows:
. Customer application and acceptance
The customer manager is responsible for receiving customers and guide the customer's vehicle to a temporary parking point closer to the company. The business negotiation room, pour tea after sitting, start negotiating; the customer manager communicates through communication to understand the customer's loan demand, loan use, source of repayment, and the basic situation of motor vehicles. Initially reached the intention of vehicle mortgage financing borrowing; customer managers must introduce the company's business process to the customer, and remind customers that the relevant procedures for vehicle vehicle must be delivered to my company, customers need to cooperate with the necessary conditions such as taking photos, ID cards or household registration. If the customer has doubts, you need to do a good job of communication and interpretation; the customer manager communicates with the customer's related information through communication with the customer. For customers who meet the basic conditions, guide customers And the company system "List of Second -hand Mortgage Loan Application Materials" to the customer, informing them of the relevant personnel to submit the application materials together within 5 days. If the customer is ready, the next step can be done. , Should decline the customer's application euphemistically.
. Vehicle assessment
(1) The file inspection car with a mobile vehicle registration certificate, driving certificate, and the owner ID card copy (carrying the original) and so on. Number, brand, color, model, VIN code, file number, engine number, license plate time, check whether the vehicle is assembled, the deck car, whether there are criminal records and sealing; If the unspecified score is required to resolve the borrower on the spot, it can also be deducted in accordance with the local market deduction price cash payment or loan. (2) Vehicle evaluation The vehicle's ownership information provided by the customer and the results of the inquiry of the relevant departments determine that the vehicle does not have controversy and other issues of the vehicle. In the process of check -up, the following points should be focused on: 1. Exterior: Whether there are paint, traces of paint, the door, the roof, whether the door, the roof, the windows, the windshield, the windshield is the original, whether Whether the original and trunk accessories are complete, the neat and configuration grade of the interior of the car. 2. Internal disposal: whether the frame number, the engine number is consistent with the registration certificate, whether the car owner beam steel frame is damaged and deforms, whether the water tank is loose, deformed, whether the engine work is normal, and whether the exhaust emission is normal. 3. Performance testing: detect the direction of the car, speed, gear, braking, circuit, oil circuit, etc. through test drive. Based on the results of the vehicle inspection, the car appraiser conducted a professional assessment of the vehicle. After considering the depreciation of the vehicle during the borrowing period, the problem of disposal after the deadline, combined with the second -hand car market conditions, a more moderate valuation given by the vehicle. The annual depreciation method is a more commonly used vehicle valuation method.
. Determine the amount of loan and repayment method
(1) Determine the loan amount: For the individual mortgage, the maximum loan amount is generally 70 % of the evaluation price under the case of good credit.
(2) repayment method: The repayment method is generally two ways: first -rate, post -rate, or equal interest, and generally do not allow early repayment. If the pre -deducted interest pays attention to the technical treatment, the general operation method is to allow the customer to pay cash directly, and the transfer will also be transferred to the borrower according to the amount of principal of the loan. To a certain extent, unnecessary trouble will be prevented from recovering in the future.
. The risk control review is based on the results of the vehicle inspection and the borrower's conditions. : 1. Check whether the relevant information of the applicant is complete, whether the content is complete and compliant, such as whether the key elements in the application form are filled in complete, whether the borrower and related personnel signed Conditions, whether there are bad credit records; 3. Check whether the use of loans is specific and clear, whether it is legitimate, compliant, and reasonable; 4. Examine the reliability and stability of the main source of income from the applicant, the main business risk, etc.; Whether the customer manager fulfills the corresponding investigation responsibilities in accordance with regulations, whether the investigation opinion is objective and detailed; 6. Whether the loan amount and the repayment method are set reasonably.
5. Contract signing and handling vehicle mortgage registration and customers signing "Customer Books", "Loan Contract", "Vehicle Mortgage Contract", "Personal Lending Consultation Intermediary Service Agreement" "Entrusted to handle vehicle mortgage registration", "Motor vehicle mortgage/cancellation mortgage registration application form", "second -hand car transaction confirmation commitment" and other documents. Note: The date in the "Terms of the Old Motor Vehicle Transaction Contract Agreement" is blank or filled in one day after the loan expires; The buyer in the old motor vehicle trading contract agreement is not the same person as the mortgagee, and it is set as a trusted third person (can be a familiar used car dealer); the "Personal Borrowing Consultation Intermediary Service Agreement" is a borrower Signed with borrowing agencies (if there are) to charge service fees. The "Old Motor Vehicle Trading Contract" was used for collecting vehicles after the deadline. As a borrowing institution engaged in the car loan business, we must understand the relevant policies and business processes of the local vehicle management department of the industry area, and collect and organize the common text and forms in advance.
The as a lending institution, we should focus on the following information from the local vehicle management department: 1. The address of the car management department of the business ground and the business time; 2. Can the vehicle mortgage to natural person creditors? 4. Can the vehicle register to investment companies, asset management companies, small loan companies, guarantee companies and other institutions? 5. Do the mortgagee and mortgage person come forward when applying for mortgage registration? 6. Does the mortgagee need to bring the original and photocopy of the ID card for the individual? 7. When mortgagers are the company, do the specific trustee (organizer) need to bring the original and photocopy of the ID card when applying for business? 8. Collect the commonly used contract templates and forms for the car management department; 10. Do you need the customer to come forward to understand the transfer registration of the vehicle? 11. Do you want to come forward if you want to cancel the mortgage registration? 12. Can we understand that our customer ID card can apply for cancellation mortgage registration?
. Precautions for GPS business: At present, the private financial sector is in the hands of the vehicle when doing vehicle mortgage business. In order to protect their own interests, the creditor will install GPS on the mortgage vehicle. The main purpose of GPS is to track The location of the car is monitored to prevent customers from repaying. The following issues need to be noted: 1. It is recommended to go to the vehicle to insure insurance companies. The first beneficiary of the insurance policy is a creditors. The vehicle must be full insurance. The role of changes is to timely grasp the accident accident occurring in the vehicle's outside driving. The damage caused by the price of the vehicle can also prevent malicious fraudulent cash. (Specific how to operate the corresponding insurance company) 2. According to the business volume, the installation of GPS equipment can be hired to install a full -time technician, or you can entrust a third party for installation. It is recommended to use the GPS of the car loan insurance platform. For the installer, the installer must believe it. Personal personnel. 3. The current GPS equipment basically has vehicle positioning, historical trajectory inquiry, leaving the designated area alarm, remote alarm, remote oil -breaking electricity, and automatic oil -breaking equipment. Install 2 GPS. 4. The main device is generally installed in the central control or instrument panel position. It must have the function of alarm remote electricity and oil and oil, which plays a role in mandatory and mounted. In addition, small GPS devices can be installed in a hidden position. 5. The background GPS monitoring must start the demolition alarm, stop the alarm for a long stop, and set the range of vehicles. 6. It is recommended to use the "car loan insurance" risk control platform of Maigu Technology for GPS monitoring. The platform is relatively stable. It has been cooperated with our company for 3 years. Responsible for checking the integrity of the confirmation data, whether there is any error; the financial department reviews whether the information is correct, and the GPS classes confirm whether the backup key is collected. The financial department does not wait for the loan amount, interest rate, consulting service fee, loan period, and lending account. In practice, lending companies generally do not leave any paper contracts and documents for borrowers to avoid trouble. During the after -loan management process, the customer manager in charge generally reminds the customer to repay 3 days before the expiration. Without timely repayment within 15 days after the overdue, the lending company needs to adopt the way to sell the vehicle. Early warning and monitoring through the GPS system, the abnormal alarm needs to set up multiple contacts (at least three people). The contact mobile phone ensures that it is turned on for 24 hours and sets up as a ringing mode. Before the pillow, pay attention at all times. During the working hours, at least one person must be arranged to observe the GPS background monitoring system, or not less than two hours of query frequency. After the loan management, the online monitoring, trajectory analysis, and reflection analysis of the vehicle were strengthened, and the problems were discovered decisively; the core of the risk control of the car loan business in the private financial sector was through institutional design, in order not to pass the judicial means, but to control the pledged objects and self -on -hand by controlling the pledged objects. Realize as basic criteria. Under normal circumstances, customers have more than 15 days of overdue or emergency situations, and the lending institutions must collect their own car according to the procedures they have made before. The risk recognition anti -fraud to manage this "car loan insurance" platform after loan has helped us reduce a lot of risks and improve a lot of work efficiency.