Loan risk prevention and control method and vehicle-mounted system thereof

Abstract

The invention relates to a loan risk prevention and control method. The method includes the following steps that: (1) a loan terminal obtains the geographic position of a mortgaged vehicle in real time and detects the moving state of the vehicle; (2) information acquired in the step (1) is uploaded to a main control server; and (3) the main control server records and analyzes the parking location, parking duration and parking time of the debited vehicle so as to generate a moving state record of the vehicle and transmits the record to a management terminal. The invention also provides a vehicle-mounted system. The vehicle-mounted system includes a GPS positioning device, a main control server and a user terminal. The objective of the invention is to realize a technology risk-control expert in the vehicle financial industry in China; based on rich theoretical knowledge and practical experience in the vehicle financial industry, Internet thinking is introduced; advanced technologies are utilized; platform function development is focused; newly emerging individual demands in the industry are satisfied; rigid demands are optimized and upgraded; and therefore, the loan risk prevention and control method and the vehicle-mounted system can serve as a technology risk-control expert in the vehicle financial industry.

Description

technical field [0001] The invention belongs to the technical field of communication, and specifically relates to a method for preventing and controlling loan risks and a vehicle-mounted system thereof. Background technique [0002] Auto mortgage loans are loans obtained from financial institutions or auto consumer loan companies with the borrower's or a third party's car or self-purchased car as collateral. At present, the use of loans with cars as collateral is mainly for rapid capital turnover. Quickly obtain cash flow, the car does not need to be sold, and it will not take a lot of time and cost to buy a new car when the capital turnover comes back. This loan method can avoid the embarrassment of borrowing money from relatives and friends, and avoid others knowing that you are short of funds; no local account is required, as long as the car is your own, you can mortgage the loan; no need for long-term appointments, as long as the regular and legal vehicle can be loaned,...

AI Technical Summary

Problems solved by technology

[0003] In order to solve the technical problem of being unable to timely control the lender's movements in the prior art, the present invention discloses a method for preventing and controlling loan risks, including the following steps: (1) The loan terminal acquires the geographical location of the loan vehicle in real time and detects the movement state of the vehicle (2) Upload the information collected in step (1) to the main control server; (3) The main control server records and analyzes the location duration and time of the loan vehicle parking, generates a record of the vehicle's motion status, and sends it to the management terminal

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