"Credit + mortgage" is the best model for credit risk control
Car loans business risk control process can be summarized as follows: vehicle assessment – identification of the borrower-related documents-interview--change--lending platform. Among them, according to vehicle transfer of possession can be divided into two categories, one is the mortgage, the "charge cards do not guard" model vehicle controlled by the borrower, but platform be fitted with GPS so that vehicle tracking; one is the pledge that "charge card stock" vehicles after the change is complete, unified storage, managed by the pledgee
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