Did you know that there is no risk of tracking a locator vehicle? There is
no risk of tracking locator vehicles: accident cars, flooded cars, copy cars,
rental cars, seized cars, such vehicles have no collateral value, and such
vehicles can be said to be a tool for their fraud. If the car loan company does
not identify the abnormal condition of the vehicle, it will cause inevitable
risks after lending, and it will cause bad debt losses in the long run.
Identity fraud risk: The borrower forges false identity information,
provides false real estate certificates, income certificates, and provides false
divorce certificates. Once the money is obtained, the world evaporates, and the
vehicle without a tracking locator is very risky, and it is easy to lose money
and money.
Risk of vehicle credit assessment without tracking locator: the credit
system established by itself is not perfect, the credit assessment report is
unscientific, and the actual inspection of personal credit status, work and
business status, family stability, debt status, and the presence of bad habits
are not in place. .
Vehicles without a tracking locator are prone to multiple mortgage risks:
This is a common phenomenon in the auto loan industry, because the lender's
urgent need for money can still not meet its needs after one mortgage, and
re-mortgage to get more loans. Once the car loan company encounters the
situation that the customer cannot repay, the company that does the second loan
often suffers heavy losses.
Risk of dereliction of duty by risk control personnel: The risk control
department of the auto loan company is too lax, the evaluation value is too
high, the tracking locator is not installed in place, the IoT card is not
renewed when it expires, the spare key is missing, and the insurance expires.
Post-loan risk control and management risks: The tracking locator monitoring
platform is too simple, the monitoring personnel are not aware of the response,
the field execution is lacking, and the car chase is not decisive.
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