What can a gps tracker have to do with auto credit? At first glance at this title, you must have such doubts. It just combined these two seemingly unrelated things, and created a set of methods to effectively prevent and control loan risks and promote sales. Let the car loan company explain the feasibility and development of the car loan GPS locator.

　　"The biggest risk of auto consumer credit is car owners defrauding loans. The main method of defrauding loans is to secretly sell the car to other places with a new face, so that commercial banks have nowhere to find it. After installing a GPS tracker, we will use the largest domestic GPS vehicle built by us. Monitoring system, full service network, banks can keep track of vehicle whereabouts and prevent fraudulent loan behavior.” The GPS vehicle management system we developed can provide regular return GPS positioning information, remote power off and flameout, and illegal damage to vehicle GPS locator. Perform alarm function.

　　Since last year, with the cancellation of auto loan insurance, the proportion of bad and bad debts in auto loans has increased significantly. According to experts, the balance of non-performing auto loans in domestic commercial banks has reached nearly 100 billion yuan. Although facing the current situation of lack of credit, big cities such as Shanghai have accelerated the construction of personal credit system and have begun to take shape, and some credit guarantee institutions have emerged as the times require. However, these measures cannot fundamentally meet the needs of financial institutions to prevent and control risks. To this end, banks have to raise the credit threshold, add tedious credit guarantee procedures, and some even temporarily stop the auto consumer credit business; auto finance companies that originally aimed to promote sales also had to take risks Control comes first. This has restricted the development of the automobile market to a large extent, and has also become a difficult problem for automobile enterprises.

　　Is there really no cure for lack of credit in the short term? The practice of FAW Jiefang Company to break the predicament of automobile consumer credit with the help of the car GPS locator provides us with a reference. Of course, car GPS trackers provide commercial vehicle users with other additional services such as security and logistics management. Car consumers may not be able to accept privacy protection issues for the time being. However, the idea and practice of auto companies to help commercial banks resolve financial risks is still Certainly. It is reported that the auto company has launched three risk-sharing measures among enterprises, dealers and banks in terms of dealer loans, and it has been very successful. However, to really solve the risk problem of auto credit, it still needs the strong cooperation of public security, environmental protection and other departments. Just imagine, if the loan repayment information of the commercial bank can be networked with the Department of Vehicle Administration, Environmental Protection Bureau, and even the traffic police, the owners of overdue loan repayments cannot obtain the vehicle inspection certificate and cannot drive on the road. Is this a malicious defaulter? One of the major constraints?

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