First of all, the bundled cooperation with the used car market has greatly reduced the risk of non-performing loans. Here, the guarantee companies in the market are basically stationed in the market and have fixed business premises. Vehicle evaluation and transaction audit are carried out by professional companies in the market, especially in view of the quality status and process of used cars, medieval evaluation company is appointed as the only partner, which eliminates the harm caused by "false evaluation" from the source, greatly improves the accuracy of evaluation and is very effective for bank risk control.

Secondly, the loan profit is low but the current scope is relatively narrow. According to the person in charge of a second-hand car business department, the current second-hand car loans are mainly for second-hand cars with a total value of 800,000-800,000 yuan, and they must be domestic cars. This defines the scope to a certain extent, and currently excludes some potential models with loan demand. There are certain reasons for this consideration in the early stage of development. In the market survey, many second-hand car companies expressed their understanding and hoped that with the business development and risk control, they would expand their scope.

Finally, the loan period is as long as three years, which controls the generation of non-performing loans to some extent. Because the total price of vehicles is relatively cheap, the repayment pressure of users is not great, and the interest rate borne by loans is relatively low. In addition, both companies indicated that they have effective non-performing loan control and management systems, but the approval time is 5-7 working days, which may affect the rapid development of their business.