The advantages of small and fast loans of P2P platforms make more loan users the first choice. However, the risk control technology in the business process has become the core focus, and risks will become hidden dangers for P2P platforms. Overdue, default, and lost cars will lead to liquidity risks on the platform, which will be a great loss to investors.

　　It is recommended to install at least 2 GPS locators for risk control practice

　　1. Establish a business system as soon as possible to achieve standardization and standardization of risk control processes, select a third-party post-loan risk control system, and combine hardware and software to easily manage vehicles;

　　2. Adhere to the small and short-term strategy, and do not operate the business of re-mortgage of mortgaged cars;

　　3. Set reasonable bottom line requirements for credit reports, and cooperate with GPS installation vehicles to double prevent the occurrence of risks;

　　4. Customers who have on-lendered from other peers should be vigilant, and the risks of customers who use high-cost funds for a long time will be exposed sooner or later;

　　5. Strengthen peer debt screening through data such as call details, bank flow, credit report, peer sharing, etc., and determine the bottom line requirements. If it can be realized under the condition of customer authorization, technical analysis of the above personal data data will be high, such as analysis Taobao consumption data is also very valuable;

　　6. On-site evaluation of the vehicle, installation of at least 2 GPS trackers (one wired tracker and one wireless GPS tracker), and change of the first beneficiary of insurance;

　　7. Post-loan management strengthens vehicle online monitoring, trajectory analysis, whether to stay in sensitive areas, and resolves problems found according to early warning information;

　　8. By sharing data with third-party credit reporting companies, blacklist credit information for customers.

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