I. Customer Application and Acceptance

The account manager is responsible for receiving customers and guiding their vehicles to temporary parking spots near the company. After the customer has parked the vehicle, he enters the business negotiation room of the company, and then pours tea to start the negotiation. The account manager understands the customer's loan demand, loan purpose, repayment source and the basic situation of the motor vehicle through communication and consultation, preliminarily examines the personal identity photos and automobile-related procedures provided by the customer, and the two parties initially reach the loan intention of vehicle mortgage financing; The account manager must introduce the company's business process to the customer, and remind the customer that the vehicle-related procedures must be kept by our company, and the customer needs to cooperate with the photo filing, and the ID card or household registration book should be kept. If customers have questions, they need to communicate and explain accordingly. The account manager understands the relevant information of the customer through communication with the customer. For customers who meet the basic requirements, he instructed them to fill in the Application Form for Second-hand Car Mortgage Loan, which was signed by the customers for confirmation, and handed over the Standard List of Application Materials for Second-hand Car Mortgage Loan to the customers, telling them to submit the application materials together with relevant personnel within 5 days. If the customer is ready, he can go directly to the next step. For unqualified customers, customers' applications should be politely rejected.

Second, the vehicle evaluation

(1) When a vehicle goes to the vehicle management office for filing and inspection, it should bring a copy of the motor vehicle registration certificate, driving license and owner's ID card (with the original attached), so as to verify the license plate number, brand, color, model, VIN code, file number, engine number and registration time, and check whether the vehicle is assembled, licensed, has a criminal record and has been seized; Inquire about vehicle violation information, and calculate the amount of unprocessed fines and unpaid points. If the borrower is required to solve the problem on the spot, it can also pay in cash or repay the loan according to the withholding price in the local market. (II) Vehicle Appraisal Through the examination of the vehicle ownership information provided by the customer and the inquiry results of relevant departments, it is determined that there are no ownership disputes and other issues in the vehicle, and the vehicle appraiser enters the vehicle inspection link. In the process of vehicle inspection, we should pay attention to the following points: 1, appearance: whether the exterior body of the vehicle is painted and painted, whether the door and roof are full and flat, whether the window and windshield are cracked, whether the wheels are original, whether the trunk accessories are complete, and whether the interior of the vehicle is neatly configured. 2. Internal structure: whether the frame number and engine number are consistent with the registration certificate, whether the steel frame of the main girder is damaged or deformed, whether the water tank is loose or deformed, whether the engine works normally without noise, whether the exhaust emission is normal, etc. 3. Performance test: Test the car's direction, waiting speed, gear, braking, circuit and oil circuit through test drive. According to the vehicle inspection results, the vehicle appraiser makes a professional evaluation of the vehicle, and after considering the depreciation of the vehicle during the loan period and the disposal after the loan expires, combined with the used car market, gives a relatively moderate evaluation of the vehicle. Depreciation method is a commonly used vehicle valuation method.

Third, determine the loan amount and repayment method.

(1) Determine the loan amount: For fully paid personal mortgaged vehicles, the maximum loan amount is generally 70% of the appraised price under the condition of good credit standing.

(II) Repayment method: Generally, the repayment method is to repay the interest first, then the principal or the equal amount of interest. Generally, prepayment is not allowed. If you pay attention to the technical treatment of withholding interest, the general operation method is to let the customer pay cash directly, and the transfer is also transferred to the borrower according to the loan principal amount. To a certain extent, it can prevent unnecessary troubles in running water in the future.

Four. According to the vehicle inspection results and the borrower's situation, if the vehicle meets the company's requirements, it shall be reported to the risk control post for review, and the risk control post shall review the compliance, authenticity and completeness of the data. The review points are as follows: 1. Check whether the relevant information of the applicant is complete and the content is complete and compliant, such as whether the key elements in the application form are complete and whether the borrower and relevant personnel sign it. 2. Review whether the applicant meets the company's access conditions and has a bad credit record; 3. Review whether the loan purpose is specific and clear, and whether it is legal, compliant and reasonable; 4, review the reliability and stability of the applicant's main sources of income, the main business risks, etc. ; 5. Review whether the account manager has fulfilled the corresponding investigation duties in accordance with the regulations, and whether the investigation opinions are objective and detailed; 6. Whether the loan amount and repayment method are set reasonably.

Verb (abbreviation of verb) Signing a contract and signing a vehicle mortgage registration letter of complaint to customers, loan contract, vehicle mortgage contract, personal loan consulting intermediary service agreement, second-hand car transaction contract, entrusted vehicle mortgage registration form, motor vehicle mortgage/cancellation mortgage registration application form, and second-hand car transaction confirmation commitment letter with customers. Note: the date in the terms of the used car transaction contract is blank or filled in as the day after the loan expires; "Loan Contract" and "Agreement Terms of Used Motor Vehicle Transaction Contract" must be the standard versions of DMV; The buyer and mortgagee in the terms of the used motor vehicle transaction contract should not be the same person, but a trusted third party (familiar used car dealer); The borrower and the lending intermediary (if any) sign a personal loan consulting intermediary service agreement and charge a service fee. The old motor vehicle transaction contract is used for overdue collection. As a loan institution engaged in car loan business, it is necessary to understand the relevant policies and business processes of the local car management department in the work area, and collect and sort out common texts and forms in advance.

As a lending institution, it should focus on the following information of the local vehicle management department: 1, the address of the vehicle management department of the business premises, and the time for handling business; 2, the basic process of mortgage registration and cancellation of mortgage registration and the required information; 3. Can a vehicle be mortgaged to a natural person creditor? 4. Can vehicles be registered in investment companies, asset management companies, small loan companies, guarantee companies and other institutions? 5. Is it necessary for the mortgagee and mortgagor to come forward in person when handling mortgage registration? 6. If the mortgagee is an individual, does the mortgagee need to carry the original and copy of the ID card? 7. When the mortgagee is a company, does the specific trustee (agent) need to carry the original and photocopy of the ID card when handling business? 8. Collect contract templates and forms commonly used by vehicle management departments; 9, understand the vehicle transfer registration (transfer) process and the required information. 10. Does the customer need to come forward for vehicle transfer registration? 1 1. Do you want the customer to cancel the mortgage registration? 12. Can I cancel the mortgage registration with my customer ID card?

Notice of intransitive verb GPS business: At present, in the field of private finance, as the vehicle is still in the hands of the borrower, creditors will install GPS on the mortgaged vehicle to protect their own interests. The main function of GPS is to track the position of vehicles, monitor customers and prevent customers from not paying back. Attention should be paid to the following issues: 1. It is recommended to go to the vehicle insurance company. The first beneficiary of the policy is the creditor, and the vehicle must be fully insured. The function of change is to know the depreciation of the car price caused by accidents when the car is driving outside in time, and also to prevent malicious fraud from cashing out. (Consult the corresponding insurance company for details) 2. According to the business volume, you can hire full-time technicians or entrust a third party to install gps equipment. It is recommended to use the GPS of the car loan insurance platform, and the installer must be a credible person. 3. At present, GPS equipment basically has the functions of vehicle positioning, historical trajectory query, leaving the designated area alarm, remote alarm, remote oil and power cut-off, automatic oil and power cut-off of damaged equipment and so on. , please consult the corresponding company for details; In order to effectively prevent risks, two GPS can be installed. 4, the main equipment is generally installed in the central control or dashboard position, must have the function of alarm remote power and oil cut-off, and play the role of forced vehicle parking; In addition, small GPS devices can be installed in hidden locations. 5. In the background GPS monitoring, it is necessary to start the demolition alarm, stop the alarm for a long time, and set the vehicle driving boundary range. 6. It is suggested to use the "car loan insurance" risk control platform of Maigu Technology for GPS monitoring. The platform is relatively stable, and we have cooperated with our company for 3 years, and we are serious and responsible after sale.

7. The risk control department of the loan issuance and post-loan management company is responsible for checking and confirming the integrity of the data and whether there are any errors; The financial department rechecks whether the information is correct, and the GPS class confirms whether the spare key is collected. The Finance Department shall make bookkeeping and lending according to the loan amount, interest rate, consulting service fee, loan term and loan account number. In practice, loan companies generally don't leave any paper contracts and documents for borrowers to avoid trouble in the future. In the process of post-loan management, the responsible account manager will generally remind the customer to repay the loan three days in advance. If the customer is overdue, he will urge the customer to repay by telephone, letter, lawyer's letter and door-to-door collection. If the customer fails to repay the loan in time within 15 days, the loan company needs to take measures to sell the vehicle and realize it. Early warning and monitoring through GPS system requires multiple contacts (at least three people) to give an abnormal alarm. The contact telephone should be turned on 24 hours and set to ring mode. The alarm is generally set to Long song. When sleeping, put your mobile phone next to the pillow, and always pay attention. During working hours, at least one person must be arranged to observe the GPS background monitoring system, or the frequency of inquiry shall not be less than two hours. Post-loan management strengthens vehicle online monitoring, trajectory analysis and payment analysis, and decisively handles problems when found; The core of risk control of car loan business in the field of private finance is through system design, and the basic principle is to control collateral and realize it by itself, not through judicial means. Under normal circumstances, if the customer is overdue for more than 15 days or there is an emergency, the lending institution shall collect the car by itself according to the previous procedures. The risk identification and anti-fraud of post-loan management by "car loan insurance" platform has helped us to reduce many risks and improve work efficiency.