Is there a brand with better auto finance risk control?

Shenzhen Weike is the first batch of brands in China to do auto financial risk control, with 20 years of experience, currently has the application development and market transformation capabilities of modules, radio frequency, antennas, terminal software and hardware and cloud platforms, has more than 200 project implementation experience in the field of intelligent IoT applications, and has a large number of core technologies, patents and intellectual property rights, which can provide "design", "R&D" and "production" from "information collection", "data transmission" and "big data application" for "satellite positioning - intelligent IoT" A one-stop overall solution.

Biaoyue Technology is a well-known brand of auto finance risk control, and its auto loan security focuses on the field of auto finance risk control, with 18 kinds of high-risk reminders such as terminal alarms, platform alarms, and special alarms, and is sensitive to various dangers, and has escorted more than 1,000 auto loan companies across the country.

The automobile financial leasing system integrates the entire business process of automobile financial leasing, based on the BPMN2 standard, including process modeling, process version variables, process node form settings, process task approval, entrustment, parallel countersigning, serial countersigning, supplementary signing, synchronization tasks, multi-instance tasks, manual tasks, script tasks, etc., task recovery, task rejection and other process requirements with Chinese characteristics.

Mishi intelligent risk control system, based on Internet big data and massive stock business data; Create a multi-dimensional data model to reduce the fraud risk, credit risk, channel risk, and operational risk of financial leasing, and effectively control the non-performing loan rate.

Here's what you can learn.

It is more important to have an experienced approval team, and the risk control system can find a fraud system, or find a third-party company to make a scorecard

In fact, the finance of automobiles is the same as that of banks. It's just that the interest rate of finance will be smaller than that of banks.

The risks of auto finance mainly include low degree of industry standardization, non-sharing of information and data, imperfect risk control system, vicious competition events, etc., you can see Renrun, do a system is mainly for risk control, and it is too important to choose a software developer with good risk control.

The risk is that people and cars run away. You can consider other businesses and learn about Ji Loan, which belongs to the powerful type

With the continuous segmentation of the P2P industry, car loans have gradually become the mainstream business model, and various platforms continue to participate, but not all companies can survive, and whether the risk control is good or not is directly related to the survival of the company.

The risk of car loan is divided into human risk and car risk, the risk of human is mainly the risk of car owner having no repayment integrity, insufficient repayment ability and repayment collection, and the risk of vehicle is mainly the risk of multiple loans for one car, vehicle residual value assessment and vehicle loss. Auto loan risk control should take corresponding measures against these risks.

Auto loan risk control can be roughly divided into pre-loan risk control and post-loan risk control in terms of time. In addition, it is necessary to verify the authenticity of personal documents such as ID cards, car purchase invoices, driver's licenses and other personal documents provided by the borrower, so as to prevent the borrower from using false information to defraud the loan. Post-loan risk control is aimed at the supervision of vehicles after the loan is issued, using on-board GPS terminals to judge risks according to vehicle driving data, which is the last barrier to avoid losses.

Here's how:

Strengthen the credit of car loans.

The risk control of car loan credit is divided into credit investigation for people and credit information for vehicles, and the identity of the owner and the situation of the vehicle are verified through multiple channels. In addition to citing the credit data of the central bank, the credit of the person can also collect data through the Internet, ** inquiry, interview with the car owner, etc., so as to generate a highly referenced personal credit evaluation report. In addition to the actual situation of the vehicle, the credit investigation of the vehicle is not only the review of the actual situation, but also the relevant procedures, violation records, vehicle conditions, maintenance conditions, etc., so as to determine whether the vehicle is eligible for a loan.

Determine the amount of the loan.

The amount of the loan is mainly determined by the borrower's expected repayment ability and the assessment of the residual value of the vehicle. The expected repayment ability needs to establish a personal information big data model, generate a personal repayment ability report, and at the same time supplement the guarantor measures to prevent the risk of car loans caused by insufficient repayment ability. In the case of vehicle residual value assessment, it is necessary to introduce a third-party vehicle appraisal tool to give an accurate vehicle value assessment and vehicle wear and tear rate by professional and fair means, and then determine the loan amount and loan cycle on a different basis, so as to prevent the risk of car loan caused by excessive vehicle valuation.

Strengthen vehicle monitoring and make good use of collection techniques.

Each vehicle must be equipped with an on-board GPS terminal so that the location of the vehicle can be tracked at any time to prevent the loss of the vehicle. Make good use of various collection techniques, remind lenders to repay on time through reasonable repayment mechanism settings, and enhance lenders' willingness to repay through the application of multiple online and offline collection methods, so as to ensure that customers repay on time while retaining customers.

To sum up, the risk control of auto loans should be improved before, during and after the loan. You can learn about the pencil head car financial leasing system.

Self-formulated approval policies, experienced approval team, accompanied by anti-fraud system auxiliary work, etc

Risk control is not only the implementation of product risk control, but also the result of the operator's comprehensive judgment and decision-making on the people, vehicles, scenarios and product requirements in the business process before completing the phased guarantee.

To do a good job in risk control of auto finance, we must build a strong risk control system to solve the old difficulties of supervision, and at the same time cooperate with stable GPS equipment and rely on big data risk control to ensure asset security.

Auto finance can be broadly divided into two categoriesOne is car dealer loans, and the other is consumer loans。Car dealer loans are mainly used for opening stores, purchasing spare parts, and purchasing automobiles. Consumer loans are mainly about car purchase needs.

So what is the difficulty of this risk control for the two parties of the loan? And how to do it well?

The first difficulty in risk control is probably the issue of credit reporting。Bad debts such as loan fraud and non-repayment of loans are almost a common pain point in the financial industry.

Another difficulty in risk control is the issue of post-loan collection。If the risk control audit is not done enough, there will be sequelae of overdue, and collection will also arise. "Collection is an indispensable link, and we mainly collect in the form of **.

**If the collection has not yet worked, find the target car through the GPS positioning of the vehicle and drive away directly. The vehicle is a movable property, and its liquidity is very strong, although the personal credit has passed the review, but the loss of the car still occurs frequently, and the collection is more difficult to achieve. Therefore, some companies will install GPS on the car to locate the vehicle.

At present, China's auto finance market is still dominated by commercial banks, auto finance companies and auto manufacturer finance companies. However, with the extensive involvement of financial leasing companies, car rental companies, consumer finance companies, Internet finance companies and other institutions in auto finance activities, coupled with the increasing role of small loan guarantee companies, pawn shops, and third-party payment institutions, the entire auto finance market has become more and more vibrantThis is accompanied by fierce market competition and frequent fraud risks.

Main risk points of auto finance:

1. Fraud risk: The lender forges personal identity to take out loans, and the loan is difficult to recover because the debtor does not exist or is impersonated, and the risk is extremely high. Lenders provide false personal information to beautify personal qualifications, while the repayment ability does not match, and the risk of overdue is high;

2. Credit risk: the borrower's default risk, due to the borrower's poor credit awareness or long liabilities, failure to perform the obligations in the agreed contract when due, resulting in economic losses;

3. Risk of loan use: Illegal operation after the purchase of a car with a loan is easy to be cracked down by the regulatory authorities, and the income is unstable. The borrower is in a poor financial position due to multiple debts and pays off other debts as soon as they get the loan.

The above problems have led to the criticism of the risk control ability of auto finance, so it is very necessary for personnel in the auto finance industry to learn professional knowledge and improve their risk control ability through professional classes.

Consumer loans are mainly about car purchase needs. Then for the two parties to the lending.

The biggest difficulty in the auto finance risk control industry is fraudulent loans, so it is very important to evaluate the credit and repayment before the loan, and Weike's Yuntu car connection cloud platform has done a good job in this regard.