By the end of 2018, car ownership in the country amounted to 240 million, an increase of 22.85 million in 2017, an increase of 10.51%. China's auto market is huge holdings, combined with the financial stability of the car, so that financial institutions demand for cars increasingly strong assets, followed by auto finance risk behavior is frequent. But with P2P getting increasingly strict regulatory supervision auto finance industry also will continue to overweight, the central bank credit to the customer's ability to repay the determination of traditional financial risk control model can not meet the needs of a new age. The combination of technology and finance, auto finance Luo cloud computing system to solve the problem of auto finance risk control has played a crucial role.
In fact, the core of the financial control of the wind, in the financial industry into the digital trend, risk control will be more dependent on data and algorithms, also known as Big Data wind control technology. On the other hand, due to the mobility of the auto finance industry, collateral, also decided to auto finance risk control management throughout the entire life cycle of the business, have a higher risk judgment on the timeliness and accuracy. Luo cloud computing roots in the financial industry for many years in the Internet, the use of research and development of financial technology, big data, cloud computing and other new technological means of Internet banking automotive financial system, to help customers better address the risk auto financing business control issues.
Luo cloud computing in the Internet car finance system, the first solution is to risk control in the scene thousands of thousands of car problems, different people and cars were accurate portrait. Unlike traditional air bags letter letter bags are particularly dependent control data bank, Luo cloud computing to customers through the whole process of auto financing business services, and using a variety of things and sensor technology as well as legitimate third-party data collection, carefully screened and records with every financial services business data lifecycle process.
Luo cloud computing with huge amounts of data, coupled with years of industry experience, with emerging technologies in recent years, increasingly sophisticated technological learning, decision tree analysis, forming a huge financial risk control eco-car platform, a lot of data like vehicle assets, stakeholders people-related data, industry risk hot spots, real-time anti-fraud blacklists, credit assessment, consumer records, location behavioral data, monitor risk characteristics, correlation analysis, repayment will result analysis and so on.
Through this ecological platform, Luo cloud computing provides comprehensive financial risk management for automotive customers, providing measurement systems and methods for risk control has set enforceable. In the application (access, credit, pricing), audit (fraud, automatic audit policy), loans (financial control), after the loan (warning, GPS monitoring, collection strategies, case management, asset disposal) and other covers pre-loan, loans in all aspects of the loan to ensure that the entire process is controllable and risk management, and greatly improved the efficiency and accuracy of risk control management.
In addition, Luo cloud computing Internet car finance systems for the automotive industry operators to provide financing model in many ways, so that "vehicle manufacturers, dealers and individual customers, the auto finance company (NBFC), commercial banks" establish a communication mechanism between the efficient and effective handling of simplifying business processes. Meanwhile, the system is a set of customer management, risk control management, lending management, financial management, collection management, post-loan management, vehicle management and other functions in an integrated business management platform to enhance the automation of the actual operation, to ensure that auto finance companies, etc. competitiveness in the market.
Future, Luo cloud computing industry will continue to maintain a keen sense of smell, we continue to break new technical barriers, has improved in all areas of service operations team, a real industry pioneer, continue to provide customers with competitive differentiated services.
Luo cloud computing is the enterprise financial management software provider, has helped more than one hundred companies, successful integration of business management and financial information services. The system provides financial leasing, financial leasing system, car rental and financing systems, automotive consumer finance systems, supply chain finance system, project-based sales system and other financial industry information management software.