What should I pay attention to in car loan risk control?

1. What should I pay attention to in car loan risk control?

1. Illegal vehicles are not accepted.

2. Those who have been using their own cars as mortgage loans have borrowed them and paid them back.

Second, please list the main risk control measures for second-hand car loans?

1. Order scope: The service life of the vehicle (based on the initial registration date of the vehicle specified in the vehicle registration certificate) shall not exceed 4 years in principle. The service life of the vehicle is more than 4 years, but it is in good maintenance condition, and the service life plus loan life is not more than 7 years; Imported or domestic passenger cars with a vehicle transaction price of 654.38 million yuan or more within seven seats; The mileage traveled shall not exceed 6,543,800 kilometers; 2. Vehicle quality and price evaluation: The loan vehicle must entrust a professional appraisal and evaluation institution designated by the bank to appraise and evaluate the technical condition and value of the vehicle, and issue a second-hand car appraisal and evaluation report. Accident vehicles, soaking vehicles, burning vehicles, vehicles operating or changing from operating to non-operating vehicles will not be accepted (subject to the conclusion of the evaluation report); 3. Vehicle price determination and loan limit: the transaction contract price and the evaluation price of the vehicle by the evaluation company recognized by the bank are taken as the recognized price of vehicle transaction, and on this basis, the maximum loan amount of the bank is determined according to the principle that the actual transaction price is lower than 50%/ the evaluation price is lower than 60%; Four. Loan guarantee measures: Second-hand car loans need to adopt loan vehicle mortgage plus full-course guarantee from professional guarantee institutions recognized by banks or performance insurance from insurance companies; V loan conditions: the legal relationship between the guarantee company and the insurance company approved by the bank to implement loan guarantee. After the loan is issued, the guarantee institution will follow up and complete the vehicle transfer mortgage registration procedures to ensure the rights and interests of the bank; Immutable verb mortgage insurance measures: During the loan period, car buyers must purchase automobile commercial insurance for the loan vehicles, and our bank will be the first beneficiary of this insurance.

3. Do auto financing companies need to check the credit information system when handling auto loans?

To put it simply, car loan companies that will check your credit information generally have their own risk control or this relatively formal charging project is connected with the risk control of employers (banks, etc.). ) will be relatively informed and transparent, and there will be a contract for you (in triplicate, one for the lender, one for the vehicle management office and one for the borrower). If it is a car loan that does not check your credit information, it must be a private loan (personal funds). You should be careful with your routine and earn more money. The interest rate is very high. Maybe you have to pay back 60 thousand to 70 thousand if you borrow 50 thousand. Finally drag you to death, and the car will be towed away. Therefore, it must be clearly distinguished before the car loan. Before signing the contract, you must keep the evidence!

4. What are the risks of personal car loans that need attention?

With the rapid development of automobile consumption loan business, its risks are increasingly apparent, mainly including the following aspects:

1. Credit risk:

Credit risk is mainly reflected in two aspects: first, the borrower's repayment ability is reduced or even the source of repayment income is lost due to unemployment, job change or other economic reasons; The other comes from the risk brought by car dealers through changing the use of loans or malice.

2. Market risk:

Market risks are inevitable in the process of automobile consumption loans, such as the downward adjustment of automobile prices and the upward adjustment of interest rates during the loan period, which will lead to the asymmetry of risks and benefits.

3. Operational risks:

Operational risk refers to the risk caused by illegal operation or poor management in all aspects of banking business. First of all, it is reflected in the fact that the pre-loan investigation is not detailed and the accurate information of customers cannot be obtained. Secondly, it is reflected in the failure to implement the post-loan follow-up inspection. There is no effective post-loan monitoring mechanism, whether the loan is really used for car purchase, whether the mortgage registration procedures are handled in time after car purchase, and whether the vehicle is renewed in time after one year of loan.

4. Guarantee risk:

Guarantee risk refers to the risk that the loan guarantee measures are not in place, the guarantor cannot fulfill the guarantee obligations, and the collateral is devalued or damaged, which makes the guarantee measures unable to provide sufficient guarantee capacity for the loan. Mainly reflected in:

First, the risk of cooperative car dealers. Under the operation mode of personal automobile loan with the dealer providing guarantee and the purchased vehicle as collateral, most customers of personal automobile consumption loans are recommended by automobile dealers or transportation companies to the handling banks, and banks are subject to automobile dealers or transportation companies everywhere, which is not conducive to preventing risks from the source.

Second, insurance risks. The borrower's car is mortgaged to the insurance company as a counter-guarantee. Once the borrower has a credit crisis, he will refuse to repay the bank loan.

Third, the risk of collateral. With the serious depreciation of the car price and the mobility of the car, once the customer is unable to repay the loan, it will be very difficult for the bank to pursue it. There is also the risk of conflict between mortgage and legal priority in automobile loan.