1. Credit risk: mainly including the credit risk of borrowers, car dealers and long-term credit;

2. Market risk: it mainly includes six major market risks: one car with multiple loans, fake car prices, total expenses, loans for A and B, imposters and fake car shops;

3. Operational risk: In the process of loan review, blindly cooperate with dealers, the pre-loan investigation is not in place, accurate customer information cannot be obtained, and the post-loan follow-up inspection is not implemented.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. The actual interest rate of car loan is determined by the handling bank according to the actual situation of customers and with reference to the benchmark loan interest rate stipulated by the central bank. There are three types of car loans: direct customer loans, inter-customer loans and credit card car loans. The term of car loan is generally 1-3 years, and the longest is 5 years.

The borrower must be a permanent resident of the place where the lender is located and have full capacity for civil conduct. The actual interest rate of car loan is determined by the handling bank according to the actual situation of customers and with reference to the benchmark loan interest rate stipulated by the central bank. Generally, customers with excellent conditions can enjoy the benchmark interest rate or float about 10%, while ordinary customers need to float about 10% on the basis of the benchmark interest rate. Personal loan car purchase business is divided into direct customer loans, inter-customer loans and credit card loans. The direct customer type is generally the bank car loan directly encountered by the customer, and the intermediate customer type is generally the car loan from the auto finance company to the customer.

For direct customer bank car loan, the fees charged include deposit, principal and interest, and 3% guarantee fee. There will be preferential treatment for high-quality customer fees of banks, but the preferential policies of each bank are different. In addition to paying the above fees, the inter-customer auto financing company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment loan only provides installment payment for bank credit card users and does not provide any conditions. There is also an audit procedure, which is very difficult for credit card users with bad credit records.