If the travel frog is put into the car loan scenario, how is the risk control carried out?

The operation of this popular game "Travel Frog" is not complicated, but what surprised me is that its game process is surprisingly similar to the car loan risk control process:

1. Preliminary preparations

Travel Frog: We have to make preparations for Frog every time before going out. First, we must pick all the clovers in the yard, and then use these clovers. In exchange for supplies.

Car loan risk control: The preliminary preparation for risk control is mainly to review the customer’s qualifications and mortgaged vehicles. Only after confirming that the customer is qualified for vehicle loan business and that the vehicle has mortgage value will the loan be disbursed, and the car loan risk control work will begin.

2. Bring equipment

Travel Frog: Every time we have to personally put food, amulets and props in the backpack for Frog. After Frog brings the equipment, Will set off to travel.

Car loan risk control: The risk control equipment that car loan personnel need to bring is a GPS locator. When signing a contract, the GPS locator must be installed on the car and debugged to ensure GPS positioning. All functions of the device can be used normally.

In addition, the sword needs to be unsheathed, and the GPS locator also needs to be in the fortification state and turn on the electronic fence alarm to demonstrate its role.

3. Going out

Travel Frog: After Frog starts traveling, we don’t know where it wants to go or when it wants to go home. It has freedom of choice. We can only go up from time to time to see if Wana has returned home, or if Wahwa has brought us any news, that's all.

Car loan risk control: Just like free frogs, customers who make car loans are also free. We have no control over where the customers want to go.

During this period, the risk control personnel are relatively relaxed. We only need to compare and check the stay records in the days immediately after the loan is released. If the car owner’s commonly used parking spots are the same as those filled in the information, then This customer is relatively low risk. The risk control personnel only need to go online from time to time to check the customer's driving record.

4. Postcards with reminders

Travel Frog: Although we don’t know where Frog has gone, the caring Frog will always send us its postcards. From the postcards we can know where the frogs are traveling.

Car loan risk control: The "postcard" that reminds the risk control specialist is the vehicle's parking information and the alarm information fed back by the electronic fence.

Using the vehicle's stay information and electronic fence alarm information, it can help risk control personnel determine whether the customer's vehicle has gone to a sensitive location where the customer's vehicle has been deposited, pledged, or where the GPS locator is disassembled, and then it can be inferred whether the customer has potential To avoid the risk of overdue and bad debts, it is best to prepare for towing in advance.

Summary

After reading this, are you surprised that a small game actually reflects so many risk control processes? In fact, for those of us who do car loan risk control, He said that life is a risk control battlefield everywhere, and we still need to do a lot.

Although we cannot travel as easily as Frog, we can definitely wait until the risk is over and Frog returns!

Summary

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