Of course, it is impossible, and it is unlikely that the risk of car loan companies will drop to zero. Risk control, on the surface, is to control the car, but in fact, the most important thing is to control the people, who have many uncertain factors.

For car loan enterprises, the risk management ability of loan vehicles directly affects the bad debt rate of enterprises. There are generally two parts in the risk control means of car loan enterprises: controlling people and controlling cars. In the aspect of controlling people, the risks of borrowers can be identified through personal credit information, work background and on-the-spot investigation. In terms of car control, we have to say GPS. Installing a GPS locator on the vehicle has become an indispensable means of risk control for car loan companies.

Extended data:

Precautions:

1. In addition to accurate positioning, a complete vehicle risk control scheme should be formed on the basis of huge risk control big data. In the risk control system, data analysis ability is very important. Based on the vehicle's GPS positioning information and usual driving data, through cloud computing and big data analysis, combined with the post-loan risk control model, the risk can be directly presented to the vehicle loan monitoring personnel, and even tasks can be automatically assigned and intervened according to the process standards defined by enterprises.

2. The system can compare the information of other vehicles passing through the area. If other vehicles are found off the line when passing through this area, it means that the signal in this area itself is not good, and the tunnel may be long. After such analysis, the system can determine that this is not a risk, and it is not necessary for risk control personnel to take the time to follow up.

3. Car loan enterprises adopt wired+wireless, one bright and one dark GPS installation method, and GPS installation must take into account concealment and stability.

4. In terms of after-sales service, when the risk control personnel of car loan enterprises encounter problems, GPS service providers should be able to provide real-time online and timely feedback to help customers solve the problems. In case of default, it is best to provide a car chasing team to help customers recover their cars and avoid post-loan risks.

Baidu encyclopedia-car loan

Baidu encyclopedia-global positioning system