1. 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 parked the vehicle, he entered the company's business negotiation room, poured tea and started negotiations. The account manager understood the customer's loan needs, loan purposes, repayment sources and basic motor vehicle conditions through communication and negotiation, and initially reviewed the personal identity photos and car-related procedures provided by the customer. The two parties initially reached a loan intention for 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 handed over to our company for safekeeping. The customer needs to cooperate with the photo filing, and the ID card or household registration book must be retained. If the customer has questions, corresponding communication and explanation are required.
Account managers understand customer-related information through communication with customers. For customers who meet the basic conditions, he guides the customer to fill out the "Used Car Mortgage Loan Application Form", which is signed by the customer for confirmation, and hands the "Company Standard List of Used Car Mortgage Loan Application Materials" to the customer, informing them to contact relevant personnel within 5 days. Submit application materials together. If the customer is ready, they can proceed directly to the next step. For unqualified customers, the customer's application should be politely rejected.
Attachment 1: Entry conditions for full vehicle mortgage business
1. Natural persons between 18 and 60 years old with full capacity for civil conduct;
2. Credit The applicant is in good condition, has a fixed occupation or normal business operations, and has a foreseeable source of repayment;
3. Has a clear purpose for the loan, which is reasonable and legal;
4. Has a local household registration , foreign residents need to live and work in this city for a long time;
5. The borrower is the owner of the vehicle;
6. The vehicle license plate is a local license plate;
7. The vehicle is less than 5 years old and can be a sedan or a commercial vehicle;
8. Registration certificate, driving license, driver's license, insurance policy, spare keys, etc. It is complete;
9. Buy a car for more than 3 months (be cautious within 3 months of buying a car).
Note: The above admission conditions are for reference only. Since the risk preferences of lending institutions and local conditions vary, lending institutions engaged in the car loan business can make adjustments based on the above based on their own circumstances.
Attachment 2: Prohibited import (unacceptable)
1. Under 18 years old (not included), or over 60 years old (not included);
2 .There is no clear purpose for the loan or the purpose of the loan does not comply with the company's loan regulations;
3. Failure to truthfully and completely provide corresponding information as required by the company;
4. Provide false certificates Materials, such as false business licenses, lease contracts, purchase and sale contracts, property rights certificates, bank accounts, guarantor income certificates, etc. ;
5. Have a bad credit record;
6. The vehicle has been involved in a major accident;
7. Have a criminal record, reeducation through labor, Reeducation through labor, persons released from prison, etc.
8. Employees in the vehicle modification, second-hand car repair, and car loan industries;
9. Other situations.
Note: The above situation is for reference only. Since the risk preferences of lending institutions and local conditions vary, lending institutions engaged in the car loan business can make adjustments based on the above based on their own circumstances.
Attachment 3: Information that the borrower should provide
(1) Necessary application materials
1. Used car mortgage loan application form (fill in as required by the company , clear and standardized handwriting);
2. Valid ID cards and household registers (original) of the borrower and his spouse;
3. Proof of permanent residence;
4. Vehicle registration certificate (original);
5. Vehicle driving license (original within the annual inspection period);
6. Insurance policy (original);
7. Photos of the vehicle;
8. Photos of the borrower’s bank card and account number;
9. Recent personal bank credit investigation.
(2) Reward materials
1. Real estate certificate or property rights transfer (used to prove assets);
2. If the borrower is a business owner, the company is in business License, organization code certificate (corresponding information can be verified through the Industrial and Commercial Information Network), company's business records in the past three months, business site rental contract, water and electricity bills in the past three months;
3. Frequent use of bank cards (in the past six months) within);
4. Proof of income;
5. Social security and provident fund payment status in the past year;
6. Car purchase invoice (vehicle purchase tax invoice can be Provide together, if any);
7. Water, electricity, coal, cable TV, landline phone bills (last two months)
8. Marriage certificate or divorce certificate;
Note: The above information list is for reference only. Since the risk appetite of lending institutions and local conditions vary, lending institutions engaged in the car loan business can make adjustments based on the above based on their own conditions. At present, in addition to requiring the borrower to provide the above information, the clients I serve generally also require the borrower to provide the phone numbers of at least five emergency contacts (covering family members, relatives, colleagues, friends, etc.), and require the borrower to provide the most recent emergency contact information. A telephone list of frequently used telephone numbers for six months (if the customer repays the loan on time, the telephone list will be sealed on site and returned to the customer).
2. Vehicle Evaluation
(1) Document Inspection Vehicle
Bring copies of the motor vehicle registration certificate, driving license, and owner’s ID card (with originals) until The vehicle management office will file a case for inspection, verify the license plate number, brand, color, model, VIN number, file number, engine number, registration time, check whether the vehicle is assembled and registered, whether it has a criminal record, and whether it has been seized; inquire about vehicle violation information, Calculate outstanding fine amounts and undeducted points. If the borrower is required to settle the matter on the spot, he or she can also pay cash or repay the loan according to the local market withholding price.
(2) Vehicle evaluation
Through the review of the vehicle ownership information provided by the customer and the query results of the relevant departments, it is determined that the vehicle does not have ownership disputes and other issues, and the vehicle evaluation The engineer enters the vehicle inspection phase. During the vehicle inspection process, the following points should be focused on:
1. Appearance: Whether the exterior body of the car is painted or polished, whether the doors and roof are plump and smooth, whether the windows and windshield are cracked, Whether the wheels are original, whether the trunk accessories are complete, and whether the interior of the car is neatly arranged.
2. Internal structure: Whether the frame number and engine number are consistent with the registration certificate, whether the main beam steel frame is damaged or deformed, whether the water tank is loose or deformed, whether the engine works normally and without noise, and whether the exhaust emissions are normal. wait.
3. Performance test: test the car’s direction, waiting speed, gear, brake, circuit, and oil circuit through test drive.
The vehicle appraiser conducts a professional appraisal of the vehicle based on the vehicle inspection results, and after considering the depreciation of the vehicle during the loan period and the disposal after the loan expires, combined with the second-hand car market, gives a relatively moderate assessment of the vehicle. valuation. The life 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 mortgage vehicles, with good credit, the maximum loan amount Generally it is 70% of the appraised price.
(2) Repayment method: The general repayment method is to repay the interest first, then the principal or an equal amount of interest. Generally, early repayment is not allowed. If you pay attention to the technical processing of withholding interest, the general method of operation 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 on the running water in the future.
Fourth, risk control review
Based on the vehicle inspection results and the borrower's situation, if it meets the company's requirements, it will be reported to the risk control post for review, and the risk control post will check the compliance and compliance of the information. Verified for authenticity and completeness. The key points of the review are as follows:
1. Check whether the relevant information of the applicant is complete and whether the content is complete and compliant, such as whether the key elements in the application form are completed and whether the borrower and relevant personnel sign, etc.
2. Review whether the applicant meets the company's access conditions and whether there is a bad credit record;
3. Review whether the purpose of the loan is specific and clear, and whether it is legal, compliant and reasonable;
4. Review the reliability and stability of the applicant’s main source of income, main business risks, etc. ;
5. Review whether the account manager has performed corresponding investigation duties in accordance with regulations, and whether the investigation opinions are objective and detailed;
6. Whether the loan amount and repayment method are reasonable.
Verb (abbreviation of verb) contract signing and vehicle mortgage registration
Sign "Customer Complaint Letter", "Loan Contract", "Vehicle Mortgage Contract", "Personal Loan Consultation" with customers "Intermediary Service Agreement", "Second-hand Car Transaction Contract", "Entrusted Vehicle Mortgage Registration", "Motor Vehicle Mortgage/Cancellation Mortgage Registration Application Form", "Second-hand Car Transaction Confirmation Commitment Letter".
Note:
The date in the second-hand car transaction contract terms is blank or filled in as one day after the loan expires; "Loan Contract" and "Old Motor Vehicle Transaction Contract Agreement Terms" It must be the standard version of the vehicle management office; the buyer and mortgagee in the old motor vehicle transaction contract terms should not be the same person, but should be a trusted third party (a familiar second-hand car dealer); the borrower and the lending intermediary (If any) Sign a personal loan consulting intermediary service agreement and collect service fees. Used motor vehicle trading contracts are used to collect overdue vehicles.
As a lending institution engaged in the car loan business, you need to understand the relevant policies and business processes of the local vehicle management department in the work area, and collect and organize commonly used texts and forms in advance.
As a lending institution, we should focus on the following information from the local vehicle management department:
1. Address of the vehicle management office at the business location and business hours;
2. Basic procedures and required information for mortgage registration and cancellation of mortgage registration;
3. Can a vehicle be mortgaged to a natural person creditor?
4. Can vehicles be registered with investment companies, asset management companies, small loan companies, guarantee companies, etc.?
5. When handling mortgage registration, is it necessary for the mortgagee and mortgagor to appear in person?
6. When the mortgagee is an individual, does the mortgagee need to bring the original and copy of his or her ID card?
7. When the mortgagee is a company, does the specific trustee (agent) need to bring the original and copy of his or her 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 required information.
10. Does vehicle transfer registration require the customer’s presence?
11.Does the customer need to come forward to cancel the mortgage registration?
12. Can I use the customer’s ID card to cancel the mortgage registration?
Notes on intransitive verb GPS services
Currently in the private financial field, since the vehicle is still in the hands of the borrower, creditors will install GPS on the mortgaged vehicle to protect their own Benefit. The main function of GPS is to track the location of vehicles, monitor customers, and prevent customers from non-repayment. The following issues need attention:
1. It is recommended to go to the vehicle insurance company to modify the policy. The first beneficiary is the creditor, and the vehicle must be fully insured. The purpose of the change is to keep abreast of the depreciation in the value of the vehicle due to accidents while the vehicle is driving, and to prevent malicious fraud. (Consult the corresponding insurance company for details)
2. Depending on the business volume, for the installation of GPS equipment, you can hire full-time technicians or entrust a third party to install it. The installer must be trusted.
3. At present, GPS equipment basically has the functions of vehicle positioning, historical trajectory query, alarm when leaving a designated area, remote alarm, remote fuel and power cutoff, and automatic fuel and power cutoff of damaged equipment. , 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 instrument panel. It must have the function of alarming remote power and oil cuts, and playing the role of forcing the vehicle to stop; in addition, small GPS equipment can be installed in hidden places. location.
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.
7. Loan disbursement and post-loan management
The company’s risk control department is responsible for checking and confirming the integrity of the data and whether there are errors; the finance department reviews whether the information is correct,
The GPS class confirms whether spare keys have been collected. The Finance Department records and disburses loans based on the loan amount, interest rate, consulting service fee, loan term, and loan account number. In practice, loan companies generally do not leave any paper contracts and documents with borrowers to avoid future trouble.
In the post-loan management process, the responsible account manager will usually remind the customer to repay three days in advance. If the customer is overdue, we will urge the customer to repay through phone calls, letters, lawyer's letters, door-to-door collection, etc. If the customer fails to repay the loan in time for 15 days overdue, the loan company needs to take measures to sell the vehicle for cash.
Early warning and monitoring through the GPS system require multiple contacts (at least three people) to report abnormalities. The contact number should be switched on 24 hours a day and set to ring mode. The alarm is usually set to a long song. Keep your cell phone next to your pillow when sleeping, so be aware of it at all times.
At least one person must be arranged to observe the GPS background monitoring system during working hours, or the query frequency shall not be less than two hours.
Post-loan management strengthens vehicle online monitoring, trajectory analysis and payment analysis, and handles problems decisively when problems are found;
The core of risk control in car loan business in the private financial field is through system design and basic principles It is to control the collateral and realize it on your own, rather than through judicial means. Under normal circumstances, if a customer is overdue for more than 15 days or an emergency occurs, the lending institution should collect the car on its own according to previous procedures.
Note: When collecting the car, it is easy to cause conflicts and suspected violations of laws and regulations. Lending institutions should assess the corresponding risks themselves during their operations.