This paper shows that: the car loan receivable is always the most special of all legitimate business collection business at China, special operations, special supplement means, particularly sensitive to late buckle car. Therefore in the public discussion of car loan receivable to come up with more than other collection business courage, but the business is in urgent need of the market business, so the discussion is so necessary.

                The main Bo done and car loan receivable - such as mortgage business vehicles set the full set of processes, the survey of car loan receivable, a car loan receivable early contact and debtor.

               Car loan receivable is the weakest of the bloggers all collection business section, there is only one reason, not personally done late buckle car.

               This paper made a considerable part of the main Bo did not personally involved in the content, but the content of the management that are related to (do the national collection Manager), so this is my point of view, and certainly there is a shortage, welcome criticism. In this paper, the purpose is to branch execution of business as the basis.

                This paper use the occasion: collection of reference, submitted to the loans of financial institutions.

                This paper is the company: third party collection agencies

 

 

A,   Preparation before implementation

1,        Personnel and training

1.      The establishment of the car loan collection processing professional team, car loan receivable work alone, team set up collection supervisor, Deputy Supervisor, collection personnel6People;

2.      Car loan receivable team members mainly from the company's existing collection staff deployed, including administrative and4A collection, and vice director and2Looking for a call directly from other company has many years of car loan receivable and buckle car experienced staff;

3.      Team after the formation of the company in addition to the general collection of training, but also for the separate collection of training include: car loan, car loan receivable risk control, buckle car action guidance curriculum, training time should be controlled in the2Weeks, specific training arranged by XX branch finance manager arrangement and execution of the general company approval;

 

2,        Equipment procurement

1.      The company equipped with two cars, one for the company owned vehicles, another for the rental of vehicles, Surety Company operating costs;

2.      Purchase4Hand-heldGPSNavigator,6Department3GMobile phone,4Camera;

3.      The computer also listed company executive purchasing plan in XX;

4.      The necessary drive tool four;

 

3,        Investigation channels

1.      Establishment and XX in the communication, for the business before the start of at least two districts and counties of Che Kwun by establishing relationships, at the same time guarantee and the XX communication more deeply;

2.      The establishment of XX court executive communication, try to provide the necessary support in buckle car operation;

3.      Strengthening investigation channels existing XX company, ability to highlight the practical tracking, investigation;

 

4,        Risk control

1.      With the XX area medium-sized law firm which was a special business legal relationship;

2.      Strengthening internal training and management mechanism;

3.      On the car loan collection staff additional commercial insurance;

4.      To establish channels of emergency treatment within the company, including the establishment of crisis management system;

5.      Strengthen the buckle car action audit, ensure that the actions of the legal and safe;

5,        Other preparations

1.      Mechanism of normal mandate to assist banks to establish a complete and temporary authorization;

2.      To assist the banks set up vehicle seizure transfer and park procedures and programs;

3.      Communication and auxiliary assist banks in litigation, the vehicle auction procedure;

4.      Establishment and the bank's emergency communication channels, and to discuss the disposal scheme in emergency situations and bank;

 

Two,   Implementation of the program

1,        Receiving the case materials

1.      The case materials of car loan receivable from the bank to submit to the company, the establishment of an independent business records, kept by the car loan collection teams, and for the internal confidential, non car loan receivable management team and other people are not allowed to contact;

2.      The case materials shall confirm whether the material is complete, complete authorization;

3.      Call progress report by the car loan receivable supervisor separately to the branch managers report;

4.      Other collection procedures by reference to the provisions in the general collection program;

 

2,        Investigation and tracking

1.      Acquisition vehicle information through the investigation channels, determine the approximate position of the vehicle;

2.      Determine the exact position of the vehicle and track;

3.      Knowledge of vehicle operation, and prepare for the next step plan;

 

3,        Collection action

1.      The collection is divided into two simultaneous action, hand through investigation and tracking control vehicles, on the other hand, preliminary and the contact with the general collection means to exert pressure repayment;

2.      Not in the bank within the period specified repayment conditions for implementation of the next steps;

 

4,        Buckle car action

1.      Button vehicle action must be made by the company managers to implement the approval, on branch managers approval must establish complete authorization, complete the case material basis, and at the same time approved action plan for the risk countermeasure of car loan receivable supervisor to submit;

2.      Buckle car action is divided into three categories, the first category is the bank customer has sued or will be prosecuted, Division I track vehicles and notify the court buckle car; second is the Division I track vehicles advising bank to buckle car; third is the Division I track vehicles, and by the Division I buckle car action;

3.      For driving tool after shall sign, return should be re signed;

For the third buckle vehicles shall be used strictly in accordance with the transfer and placement of the vehicle requirements of banks;