(1) The borrower.
1, credit risk. Car buyers are a mixed bag, which may be mixed with some people with moral hazard. Due to the subjective deadbeat psychology or when the car price falls below the loan amount that the car buyer needs to repay, the car buyer may make a rational breach of contract, which may put the loan at risk.
2. Payment ability risk. Self-use car borrowers can't repay on time due to the decrease of family income, commercial vehicle borrowers can't repay on time due to the risk of the whole transportation market and industry policies, and the expected income is reduced or even completely lost, or borrowers can't settle the other party's freight in time due to poor management.
(2) Dealers
1, automobile quality risk. Because dealers don't buy cars through proper channels and sell vehicles with quality problems to borrowers, quality disputes affect the recovery of loans.
2, approved the maximum risk loan guarantee limit. At present, most of the automobile consumption loans issued by rural credit cooperatives are guaranteed by dealers. Because the maximum loan guarantee limit is too large, which exceeds the guarantee ability of dealers, it causes invisible risks to credit funds.
(3) Insurance companies
1. Insurance companies use borrowers' vague understanding of insurance clauses and omissions in the loan operation of credit cooperatives to seek exemption or reduction of insurance liabilities when insurance liabilities occur.
2. Some insurance company salesmen take unfair competition means, violate the insurance clauses and shorten the insurance period privately, which leads to the invalidation of insurance and exemption from liability.
(4) Banking business.
1. The pre-lending survey is not true. Due to the shortage of credit personnel, the pre-loan investigation is a mere formality, and the income certificate and asset certificate provided by the borrower are seriously distorted, which has buried hidden risks.
2. Post-loan management is not in place, or there is no post-loan management at all. After the loan is issued, whether the borrower really uses it for purchase, and fails to confirm the engine number, frame number and other information of the purchased vehicle in time; Some loans overdue failed to take corresponding preservation measures in time, resulting in increased risks; Some of the creditor's rights certificates such as contracts and loan collection records are not strictly managed, resulting in missing items. When the loan is risky, claims, lawsuits or other recovery measures cannot be found in time.
Lenders are reminded that before applying for personal car loans, they should fully consider their purchasing power, car purchase situation, insurance regulations and loan policies to avoid unnecessary troubles.