The measures to prevent and control the management risks of individual car loan cooperative institutions include: (1) strengthening pre-loan investigation, effectively checking the credit status of dealers, adhering to the principle of on-the-spot investigation, and strictly examining the credit level, financial status and willingness and ability of dealers to perform guarantee responsibilities. (2) Strictly control the access of cooperative guarantee institutions. (3) For loans guaranteed by dealers and professional guarantee institutions, it is necessary to monitor in real time whether the guarantor maintains the full margin. (4) For performance guarantee insurance, it is necessary to draw up a cooperation agreement with the insurance company in strict accordance with relevant regulations, so as to avoid loan losses caused by invalid or loopholes in the cooperation agreement afterwards.