How to do the car loan risk control process?

The basic process of this business is as follows:

I. Customer Application and Acceptance

The account manager is responsible for receiving customers and guiding their vehicles to temporary parking spots near the company. After the customer has parked the vehicle, he enters the business negotiation room of the company, and then pours tea to start the negotiation. The account manager understands the customer's loan demand, loan purpose, repayment source and the basic situation of the motor vehicle through communication and consultation, preliminarily examines the personal identity photos and automobile-related procedures provided by the customer, and the two parties initially reach the loan intention of vehicle mortgage financing;

The account manager must introduce the company's business process to the customer, and remind the customer that the vehicle-related procedures must be kept by our company, and the customer needs to cooperate with the photo filing, and the ID card or household registration book should be kept. If customers have questions, they need to communicate and explain accordingly.

The account manager understands the relevant information of the customer through communication with the customer. For customers who meet the basic requirements, he instructed them to fill in the Application Form for Second-hand Car Mortgage Loan, which was signed by the customers for confirmation, and handed over the Standard List of Application Materials for Second-hand Car Mortgage Loan to the customers, telling them to submit the application materials together with relevant personnel within 5 days. If the customer is ready, he can go directly to the next step. For unqualified customers, customers' applications should be politely rejected.

Attachment 1: Entry Conditions for Full-payment Vehicle Mortgage Business

1,/kloc-a natural person with full civil capacity from 0/8 to 60 years old;

2, good credit status, a fixed occupation or normal operation, a predictable source of repayment;

3. There is a clear loan purpose, and the loan purpose is reasonable and legal;

4. There are local accounts, and foreign accounts need to live and work in this city for a long time;

5. The borrower is the owner of the vehicle;

6. The vehicle license is a local license;

7. The vehicle is within 5 years, and the model can be a car or a commercial vehicle;

8. Registration certificate, driving license, driver's license, insurance policy, spare key, etc. Is complete;

9. Buy a car for more than 3 months (be cautious within 3 months).

Note: The above access conditions are for reference. Due to the different risk preferences of lending institutions and local conditions, lending institutions engaged in car loan business can make adjustments on the above basis according to their own conditions.

Annex 2: Import ban (unacceptable)

1,1under 8 years old (exclusive), or over 60 years old (exclusive);

2. There is no clear loan purpose or the loan purpose does not meet the company's loan regulations;

3. Failing to provide the corresponding information truthfully and completely as required by the company;

4. Provide false certification materials, such as false business license, lease contract, purchase and sale contract, property right certificate, bank current account, guarantor's income certificate, etc. ;

5. Having a bad credit record;

6. The vehicle belongs to a vehicle that has had a major accident;

7. Persons with criminal records, reeducation through labor, reeducation through labor, released from prison, etc.

8. Employees in vehicle modification, used car maintenance and car loan industry;

9. Other circumstances.

Note: The above information is for reference. Due to the different risk preferences of lending institutions and local conditions, lending institutions engaged in car loan business can make adjustments on the above basis according to their own conditions.

Appendix 3: Information to be Provided by the Borrower

(a) the necessary application materials

1. Application Form for Second-hand Car Mortgage Loan (filled in according to the company's requirements, with clear and standardized handwriting);

2, the borrower and his spouse's valid identity card and residence booklet (original);

3. Certificate of permanent residence;

4. Vehicle registration certificate (original);

5. Vehicle driving license (original within the annual inspection period);

6. Insurance policy (original);

7. Vehicle photos;

8. The borrower's bank card photo and account number;

9. Recent personal bank credit survey.

(2) Reward materials

1, real estate license or property right transfer (used to prove assets);

2. If the borrower is the business owner, the company's business license, organization code certificate (the corresponding information can be verified through the industrial and commercial information network), the company's running water in recent March, the business site lease contract, and the water and electricity charges in recent March;

3. Frequent use of bank cards (within the last six months);

4. proof of income;

5, nearly a year of social security and provident fund payment;

6. Car purchase invoice (vehicle purchase tax invoice can be provided together, if any);

7, water, electricity, coal, cable TV, fixed telephone bills (in the last two months)

8. Marriage certificate or divorce certificate;

Note: The above information list is for reference only. Due to the different risk preferences of lending institutions and local conditions, lending institutions engaged in car loan business can make adjustments on the above basis according to their own conditions. At present, in addition to the above information, the customers I serve generally ask the borrower to provide the telephone numbers of at least five emergency contacts (including family members, relatives, colleagues, friends, etc.). ), and ask the borrower to provide the telephone list of common telephones in the last six months (if the customer repays on time, the telephone list will be sealed on site and returned to the customer).

Second, the vehicle evaluation

(1) Document inspection vehicle

Carry a copy of the motor vehicle registration certificate, driving license and owner's ID card (with the original) until the vehicle management office files an inspection, verify the license plate number, brand, color, model, VIN code, file number, engine number and registration time, and check whether the vehicle is assembled, registered, has a criminal record and has been seized; Inquire about vehicle violation information, and calculate the amount of unprocessed fines and unpaid points. If the borrower is required to solve the problem on the spot, it can also pay in cash or repay the loan according to the withholding price in the local market.

(2) Vehicle evaluation

Through the review of the vehicle ownership information provided by customers and the inquiry results of relevant departments, it is determined that there are no ownership disputes and other issues in the vehicle, and the vehicle appraiser enters the vehicle inspection link. In the process of vehicle inspection, we should focus on the following points:

1. Appearance: whether there are paint peeling and scratches on the exterior body of the car, whether the doors and roofs are full and flat, whether the windows and windshields are cracked and original, whether the wheels are original, whether the trunk fittings are complete, and whether the interior of the car is clean and tidy.

2. Internal structure: whether the frame number and engine number are consistent with the registration certificate, whether the steel frame of the main girder is damaged or deformed, whether the water tank is loose or deformed, whether the engine works normally without noise, whether the exhaust emission is normal, etc.

3. Performance test: Test the car's direction, waiting speed, gear, braking, circuit and oil circuit through test drive.

According to the vehicle inspection results, the vehicle appraiser makes a professional evaluation of the vehicle, and after considering the depreciation of the vehicle during the loan period and the disposal after the loan expires, combined with the used car market, gives a relatively moderate evaluation of the vehicle. Depreciation method is a commonly used vehicle valuation method.

Third, determine the loan amount and repayment method.

(1) Determine the loan amount: For fully paid personal mortgaged vehicles, the maximum loan amount is generally 70% of the appraised price under the condition of good credit standing.

(II) Repayment method: Generally, the repayment method is to repay the interest first, then the principal or the equal amount of interest. Generally, prepayment is not allowed. If you pay attention to the technical treatment of withholding interest, the general operation method is to let the customer pay cash directly, and the transfer is also transferred to the borrower according to the loan principal amount. To a certain extent, it can prevent unnecessary troubles in running water in the future.

Fourth, risk control review.

According to the vehicle inspection results and the borrower's situation, if it meets the company's requirements, it shall be reported to the risk control post for review, and the risk control post shall review the compliance, authenticity and completeness of the data. The main points of the review are as follows:

1. Check whether the relevant information of the applicant is complete and the contents are complete and compliant, such as whether the key elements in the application form are completely filled in and whether the borrower and relevant personnel sign it.

2. Review whether the applicant meets the company's access conditions and has a bad credit record;

3. Review whether the loan purpose is specific and clear, and whether it is legal, compliant and reasonable;

4, review the reliability and stability of the applicant's main sources of income, the main business risks, etc. ;

5. Review whether the account manager has fulfilled the corresponding investigation duties in accordance with the regulations, and whether the investigation opinions are objective and detailed;

6. Whether the loan amount and repayment method are set reasonably.

Verb (abbreviation of verb) contract signing and vehicle mortgage registration

Sign the Customer Complaint, Loan Contract, Vehicle Mortgage Contract, Personal Loan Consultation Intermediary Service Agreement, Second-hand Car Transaction Contract, Entrusted Vehicle Mortgage Registration, Motor Vehicle Mortgage/Cancellation Mortgage Registration Application Form and Second-hand Car Transaction Confirmation Commitment with customers.

Precautions:

The date in the terms of the second-hand car transaction contract is blank or filled as one day after the loan expires; "Loan Contract" and "Agreement Terms of Used Motor Vehicle Transaction Contract" must be the standard versions of DMV; The buyer and mortgagee in the terms of the used motor vehicle transaction contract should not be the same person, but a trusted third party (familiar used car dealer); The borrower and the lending intermediary (if any) sign a personal loan consulting intermediary service agreement and charge a service fee. The old motor vehicle transaction contract is used for overdue collection.

As a loan institution engaged in car loan business, it is necessary to understand the relevant policies and business processes of the local car management department in the work area, and collect and sort out common texts and forms in advance.

As a lending institution, we should focus on the following information of the local vehicle management department:

1, the address of the vehicle management office of the business place, and the business handling time;

2, the basic process of mortgage registration and cancellation of mortgage registration and the required information;

3. Can a vehicle be mortgaged to a natural person creditor?

4. Can vehicles be registered in investment companies, asset management companies, small loan companies, guarantee companies and other institutions?

5. Is it necessary for the mortgagee and mortgagor to come forward in person when handling mortgage registration?

6. If the mortgagee is an individual, does the mortgagee need to carry the original and copy of the ID card?

7. When the mortgagee is a company, does the specific trustee (agent) need to carry the original and photocopy of the ID card when handling business?

8. Collect contract templates and forms commonly used by vehicle management departments;

9, understand the vehicle transfer registration (transfer) process and the required information.

10. Does the customer need to come forward for vehicle transfer registration?

1 1. Do you want the customer to cancel the mortgage registration?

12. Can I cancel the mortgage registration with my customer ID card?

Matters needing attention of intransitive verb GPS service

At present, in the field of private finance, because the vehicle is still in the hands of the borrower, creditors will install GPS on the mortgaged vehicle to protect their own interests. The main function of GPS is to track the position of vehicles, monitor customers and prevent customers from not paying back. The following issues need attention:

1. Suggest going to the vehicle insurance company to modify the insurance policy. The first beneficiary is the creditor, and the vehicle must be fully insured. The function of change is to know the depreciation of the car price caused by accidents when the car is driving outside in time, and also to prevent malicious fraud from cashing out. (Please consult the corresponding insurance company for details)

2. According to the business volume, you can hire full-time technicians or entrust a third party to install GPS equipment. The installer must be trusted.

3. At present, GPS equipment basically has the functions of vehicle positioning, historical trajectory query, leaving the designated area alarm, remote alarm, remote oil and power cut-off, automatic oil and power cut-off of damaged equipment and so on. , please consult the corresponding company for details; In order to effectively prevent risks, two GPS can be installed.

4, the main equipment is generally installed in the central control or dashboard position, must have the function of alarm remote power and oil cut-off, and play the role of forced vehicle parking; In addition, small GPS devices can be installed in hidden locations.

5. In the background GPS monitoring, it is necessary to start the demolition alarm, stop the alarm for a long time, and set the vehicle driving boundary range.

Seven, loan issuance and post-loan management

The risk control department of the company is responsible for checking and confirming the integrity of data and whether there are any errors; The Finance Department rechecks whether the information is correct,

The GPS class confirms whether the spare key has been collected. The Finance Department shall make bookkeeping and lending according to the loan amount, interest rate, consulting service fee, loan term and loan account number. In practice, loan companies generally don't leave any paper contracts and documents for borrowers to avoid trouble in the future.

In the process of post-loan management, the responsible account manager will generally remind the customer to repay the loan three days in advance. If the customer is overdue, he will urge the customer to repay by telephone, letter, lawyer's letter and door-to-door collection. If the customer fails to repay the loan in time within 15 days, the loan company needs to take measures to sell the vehicle and realize it.

Early warning and monitoring through GPS system requires multiple contacts (at least three people) to give an abnormal alarm. The contact telephone should be turned on 24 hours and set to ring mode. The alarm is generally set to Long song. When sleeping, put your mobile phone next to the pillow, and always pay attention.

During working hours, at least one person must be arranged to observe the GPS background monitoring system, or the frequency of inquiry shall not be less than two hours.

Post-loan management strengthens vehicle online monitoring, trajectory analysis and payment analysis, and decisively handles problems when found;

The core of risk control of car loan business in the field of private finance is through system design, and the basic principle is to control collateral and realize it by itself, not through judicial means. Under normal circumstances, if the customer is overdue for more than 15 days or there is an emergency, the lending institution shall collect the car by itself according to the previous procedures.

Note: it is easy to cause conflicts when collecting cars, which is suspected of violating laws and regulations. Lending institutions should assess the corresponding risks by themselves in the course of operation.