At present, automobile loans can be divided into pledge and mortgage according to loan methods. The pledge needs to be mortgaged, and the car is occupied by the car loan company; Mortgage is not required, and the original owner can still use his car normally during the loan period.
For car loan companies, pledge has high security, low risk and convenient post-loan management, but the amount of pledged loans is small and the profit is low; The mortgage risk is high, and the post-loan management is inconvenient, but the mortgage is better than the loan amount, and the car loan company gets high profits from it.
Because most of the risks of mortgage are controllable, mortgage is still the loan method advocated by many car loan companies.
With the development of car loan, the overdue rate and bad debt rate in the industry are becoming more and more obvious, and risk control has become the key to determine whether car loan companies can continue to develop.
Car loan risk control can be roughly divided into pre-loan risk control and post-loan risk control in time.
Pre-lending risk control is mainly aimed at the borrower's data review, including credit review and asset review, commonly known as "people and vehicles review".
Effective pre-loan data review can help car loan companies eliminate some risks.
The contents of the audit include the borrower's salary/company operating status, credit status, vehicle value judgment, whether it is in debt, etc. To ensure that the borrower has the ability to repay the loan after the loan and avoid overdue and bad debts.
In addition, it is also necessary to verify the authenticity of personal documents such as ID cards, car purchase invoices and driver's licenses provided by borrowers, and beware of borrowers using false information to defraud loans.
Post-loan risk control is aimed at vehicle supervision after loan issuance, and judging risks according to vehicle driving data is the last barrier to avoid losses.
If the borrower's driving trajectory is abnormal as follows, the car loan company should pay attention, because this is often a precursor to the borrower's default:
1. The vehicle stop point is inconsistent with the commonly used data declaration point.
This kind of users will provide false home address, company address and other information to the car loan company, which belongs to fraudulent users and is often the chief culprit leading to the high bad debt rate and overdue rate of the car loan company.
Loan companies can find such fraudulent users with the help of the parking data of the car-seeking platform, and pay close attention to the movements of such people from the beginning. Don't wait until they can't count on repayment, otherwise they will often end up with "empty cars."
2. The borrower's driving track has changed abnormally. If it is found that the borrower's common driving route and driving time have suddenly changed greatly through the track playback of the vehicle inspection platform, it can be suspected that the borrower is working abnormally and is busy preparing funds everywhere.
For car loan companies, this situation also needs attention. If the borrower can't repay the loan, he can choose to mortgage or escape the loan.
Either way, it will cause certain losses to the car loan company.
3. The borrower's car is parked in a sensitive place. If the borrower's car stays in another car loan company or a second mortgage loan company, the management will take immediate action. These borrowers are likely to try to deceive other auto loan companies with false information, or to two mortgage their cars. Once they sign the contract, it will cause irreversible huge losses to the original car loan company. How can we stop it in time? Car loan companies can mark fences for other car loan companies or mortgage websites on the car search platform. Once the borrower's car enters these areas, the platform will pop up an alarm to gain response time for the car loan company.
4. After the loan, the borrowed vehicle stays at a certain place for a long time. If the car search platform shows that a borrower's car has stayed somewhere for 1-2 days, it may be that the borrower has mortgaged the car.
Management personnel should immediately report the situation and verify the situation on the spot, and collect it as soon as possible if any discrepancy is found.
5.GPS locator shows that offline car loan companies generally install more than two GPS locators on borrowers' cars to reduce risks. If a piece of equipment in the car suddenly appears offline, it may be that the equipment is damaged, but it may also be that the equipment has been dismantled by the borrower. You should contact the borrower in time to inquire about the situation and take corresponding measures accordingly.
In addition, if all devices are offline at the same time, it may be because the car has driven into a place with weak GPS signal (such as basement and tunnel). ), so that you can contact the borrower at this time.
But if the device is offline for a long time afterwards, it is worth noting.
Offline equipment is really difficult to help car loan companies judge risks. When choosing locators, try to choose locators with many positioning methods, such as GPSLBS base station positioning, which can automatically start base station positioning in places with poor satellite signals and reduce the phenomenon of offline equipment.
In either case, it is difficult for individuals to judge, and it is necessary to use a professional vehicle inspection platform for data supervision and judgment. The risk judgment awareness of platform supervisors should also be in place, and the two should cooperate with each other. Only before, after, platform and management are not relaxed, can the risk of car loan be effectively reduced in real time.
Second, is the car loan safe?
I'm looking for a car loan. This company is very good. At the same time, it is very credible. Is the loan express fast? Very reassuring, I hope I can help you! d
Third, what are the characteristics of a reliable car loan platform? Characteristic Analysis of Reliable Car Loan Platform
The reason for investing in car loans is that compared with mortgages, car loans have the advantages of small amount, high liquidity and strong liquidity. The mature lending model has a high safety factor and overdue and bad debts are easier to control. Even in extreme cases, it can be quickly realized and the losses of investors can be recovered. Due to its low loan amount, a single bad debt will not affect the overall profit of the car loan platform. But in fact, the car loan business is not so good. Refined risk control and stable business sources become car loans P.
With more and more P2P platforms joining the car loan industry, some of them are under the banner, and finally investing with money is risky, so how to reduce the investment risk is also a problem that investors need to pay attention to, so how to identify a reliable car loan balance point:
The first point: financial strength
Why not talk about the background? To be honest, as long as the risk control needs any background. In Bian Xiao's view, state-owned assets are divided. Even the car loan platform that likes to advertise with these backgrounds has lost, but it has only made a little share and made a lot of publicity. Here, let's talk about bank deposits. As can be seen from the platform visited by Lei, in fact, bank deposit is not omnipotent, because banks deposit funds. If the platform participates in self-integration and publishes false targets, the money will eventually flow into the platform's own pocket.
Therefore, our capital, paid-in capital, financing capital, people can do whatever they want, need money, and do not have financial strength.
Next, let's talk about where the money is spent, a large number of elites in the field, which are all customer acquisition costs. Land rent and wages are big expenses; Secondly, the cost of risk control, the pledge platform needs to rent a large parking lot, and the mortgage platform needs to install GPS, including car maintenance, evaluation and testing, all of which require costs; In the end, there will be risks, and there will be a process of realizing vehicles. The risk protection fund can make the capital chain of the platform more stable.
The second point: business model
Traditionally, there are two kinds of car mortgage, one is mortgage car loan (mortgage) and the other is pledge car loan (mortgage), which are two kinds of businesses widely used in the market. Of course, there are some other car loan products, including mortgage mode and pledge mode financing mode. There are many kinds of financial products, all of which are launched to meet the demand. Being a car reminds investors that no matter what model, if there is no real mortgage car loan financing product, you need to invest carefully, because it is no longer a mortgage car loan product.
The third point: risk control and professionalism
This is very important. The core of car loan platform is risk control. Pre-loan review and evaluation, post-loan collection and liquidation can be seen clearly, and a good car loan platform will not be shy. What I want to mention here is a professional platform for deeply cultivating car loans. Compared with other platforms, it certainly has some advantages, that is, it is more professional. Professionalism can be reflected in technology, such as big data risk control, borrower credit review, credit evaluation, collateral evaluation, risk warning and so on.
Fourth, the process of information transparency.
The first is the basic information of a platform, such as background, operators, ownership structure and senior management team. Secondly, operational information, monthly turnover, new users, clicks, full bid speed and customer group activity can all show the strength and activity of this platform. Of course, it is not necessary to find a powerful platform to be reliable, but to make a simple evaluation in the visible situation. Finally, the project discloses information. The materials required for normal car loan include driving license, registration certificate, borrower's ID card, photos inside and outside the car, kilometers, evaluation report, loan agreement and other materials. These are the basic information of the project and should be disclosed to investors. This car-making platform is very good.
The fifth point: reasonable income.
What is the reasonable income of car loan wealth management products? Usually between 8% and 15%. Of course, it doesn't mean that platforms below 8% are hooligans. Platforms higher than 15% are dangerous. The platform still has to make money. If all platforms lose money, investors' money is not safe. Therefore, this data is for reference only, and whether it is reasonable or not needs to be considered according to the comprehensive situation of each platform.
Million car purchase subsidy
Fourth, is the car loan safe? How much do you know about the risk control of car loan?
With the development of car loan business, many risk events such as multiple mortgages and repeated loans began to be staged badly. Many people blame it on the lack of risk management and control of car loan, which shows that the risk management and control team and management ability of the platform play a vital role in car loan business. So how much do you know about the risk control of car loan? I. Car loan business in risk control mode refers to the loan secured by the borrower's vehicle. There are two modes of car loan project, one is relatively safe vehicle pledge, and the other is vehicle mortgage with GPS. The pledged vehicle is the vehicle that the platform keeps the borrower's vehicle. After the loan, the vehicle license plate and vehicle shall be kept by the platform. This risk control mode is relatively safe. Vehicle mortgage means that the vehicle has no mortgage. After the vehicle mortgage formalities are handled at the vehicle management office, both parties install GPS monitoring vehicles. Second, risk control measures Each business model corresponds to different risk control measures. Vehicle pledge refers to the storage of vehicles on the platform, which is related to all pledged vehicles such as vehicle license plates, car bodies and car keys. Even if the borrower does not repay the loan, the platform can also have the right to dispose of the mortgaged vehicle. Vehicle mortgage project means that the borrower signs a vehicle mortgage contract with the vehicle as collateral, and the platform has the mortgage right of the vehicle, but the borrower still has the right to use the vehicle. The platform needs to install GPS real-time monitoring for the vehicle to ensure that the vehicle is within the controllable range until the borrower repays the loan project on time. The risk control measures of vehicle loan business include not only the safety of vehicle mortgage or pledge, but also signing pledge agreement and sales agreement with the borrower. Combined with the mortgage (pledge) mode mentioned above, it can basically prevent the occurrence of risk events such as repeated mortgage of vehicles, first arrival and then pledge.