A vehicle financial risk control system and method

Abstract

The invention provides a vehicle financial risk control system. The system comprises a vehicle-mounted terminal; and a teleprocessing terminal classifying users according to collected user vehicle driving data and performing risk control according to classification results. The teleprocessing terminal includes a receiving unit for continuously acquiring data transmitted from the vehicle-mounted terminal, a storage unit for storing the acquired data, a data analyzing unit for processing and analyzing the acquired data, a risk assessment unit for performing risk assessment on the users according to processing and analyzing results of the data analyzing unit, a user credit classification unit classifying credit risk ratings of the users according to the risk assessment results of the risk assessment unit and a decision unit performing decision and processing according to the credit ratings of the users. The beneficial effects of the present invention are that the teleprocessing terminal classifies the users and controls the risk based on the classification results, and minimizes the probability of non-performing loans to the limit by controlling the risk of goods repayment in user load application and offering.

Description

technical field [0001] The invention relates to the field of vehicle finance, in particular to a vehicle financial risk control system and method. Background technique [0002] With the rapid development of social economy, the improvement of consumer income and the introduction of relevant policies to encourage car consumption, family cars are entering the mass family at an extraordinary speed. Accompanied by it, car loan products are constantly being introduced. Sometimes it is very difficult for individuals to pay these funds at one time. The solution includes applying for loans from banks. After verification, the loan contract is signed and the loan is issued. [0003] However, as far as auto loans are concerned, banks can provide car purchase loan services among consumer loan products provided by banks, but the market share occupied by auto consumer loans has never been high. The reason is that the risk of auto loans is relatively high, and the proportion of non-perfor...

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Problems solved by technology

[0003] However, as far as the auto loan situation is concerned, the consumer loan products provided by banks can provide car loan services, but the market share of auto consumer loans has not been high.

The reason is that the risk of auto loans is relatively high, and the proportion of non-performing loans is much higher than that of housing loans.

In the existing technology, during the period of use after the user obtains the loan, the bank has few channels to obtain the loan information of the relevant user, and the update is not timely, and the relevant personnel and institutions cannot be notified in time, and the risk processing process is triggered. The loan risk control ability is poor

Therefore, the bank cannot timely obtain information about the use of the loan, its management status, whether the purpose of the loan conforms to the loan contract, whether there are various bad records, etc., resulting in the bank being unable to recover the principal and interest after the loan period ends, resulting in non-performing loans

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