经销商库存融资金融风险管控流程_20160218_ENG_update

1、Network Development DepartmentFeb 18, 2016Dealer Wholesale Financing Risk Control Process2ND Dept.Finance Dept.ManagementSales Dept.Financial institution/Dealerdealer occur general or serious wholesale financing risk Approve Execute phase 1st risk control actionImport & Domestic business：Frozen

2、internal incentiveStop wholesale & invoicingFrozen processing-payment include parts paymentFrozen marketing supportEnforce repayment agreement and solve wholesale finance riskApprove Execute phase 2nd risk control action1. Import & Domestic business ： carry forward incentive to repay the def

3、ault amount based on the repayment agreement Suspend and technology support account2. Import business：Require CTCAI to claim indemnity frozen incentive and three-parties credit lineTermination of dealer Authorization processImport & Domestic business：Unfreeze internal incentiveRestart wholesale

4、& invoicingUnfreeze processing-payment include parts paymentunfreeze marketing supportSpecial case processingDetermine If start risk control processexecute rectification actionNYYNReach payment agreement with Auto Finance institution or risk presented on Notice letter has been solvedClose Phase

5、1st wholesale finance risk control process Sales Dept. receive Notice Letter of Wholesale Financing Risk issued by Financial institutionTotally solve wholesale finance riskClose Phase 2nd wholesale finance risk control process YApprove1.Import & Domestic business ：Unfreeze internal & externa

6、l incentive Restart wholesale & invoicing Unfreeze processing-payment include parts payment ；Restart claim indemnity and technology support accountunfreeze marketing support2. Import business ：Inform CTCAI to activate three-parties agreement credit lineNYNDealer Wholesale Financing Risk Control

7、ProcessApplication of termination of dealer Authorizationpostpone of Jeep CKD Pre-Authorization if dealer involve in Jeep CKD pre-AuthorizationApply risk control process for bank acceptance credit lineunfreeze postpone of Jeep CKD pre-Authorization unfreeze postpone of Jeep CKD pre-Authorization 3网络

8、部财务部管理层销售部库存金融机构/经销商经销商出现库存融一般或严重风险实施第一阶段库存融资严重管控措施 进口车&国产车：冻结公司内部返利；停止新车批售开票；冻结其他往来款项包括配件款；冻结市场支持执行还款协议完成欠款清偿或已解除申请函所示风险实施第二阶段 库存融资严重风险管控措施 1.进口车&国产车： 按照还款协议结转返利清偿欠款 暂停索赔及技术支持账户2. 进口车：除上述措施以外，通知中进冻结返利及三方融资额度终止经销商授权流程进口车&国产车：解冻公司内部返利；允许新车批售；解冻其他往来款项包括配件款；解冻市场支持个案处理办法判断是否有严重库存融资风险需要提请管控措施

9、执行整改措施控制NYYN与金融机构达成还款协议或解决风险控制协助申请函所列示风险的协议结束第一阶段库存融资严重风险管控措施 销售部接到金融机构对经销商发出的风险控制协助申请函经销商完全解除库存融资风险结束第二阶段库存融资严重风险管控措施 Y批准1.进口车&国产车：解冻公司内部及外部返利；允许新车批售及开票；解冻其他往来款项包括配件款；允许索赔及启用技术账户；解冻市场支持2. 进口车：通知中进可恢复三方融资额度NYN库存融资风险管控流程申请终止经销商授权冻结国产Jeep预授权（如有）两方库存融资风险需要提请管控措施解冻国产Jeep预授权（如有）解冻国产Jeep预授权（如有）Main Re

10、sponsibilityItemDepartmentResponsibilitiesCoordinator1SalesAuto FinancingCollect risk indicator data；Evaluate risk and notice ；Follow-up of risk control position；Report risk to financial institution；Initiate internal equities-paid process (cash, incentive and deposit)Ye Mao2DistrictSalesFeedback of

11、potential risk of dealers daily operation；Push dealer who involve in wholesale risk control process to execute performance improvement measure；Offer assistance to control default financed vehicles and vehicles remarketing;；Follow-up of risk control processRegional Mgr.3OTDFrozen dealers wholesale bu

12、siness who involve in wholesale financing risk control processYan Yiwen4MarketingNotice QC customers complaints data；PR risk controlXu Bokai5NDNotice potential defecting dealer；Feedback of potential risk of dealers daily operation；Determine whether dealer should be put into risk control process and

13、postpone Jeep CKD Authorization ;Report to management about risk control positionHuang Xiaoshan6FinanceNotice risk of bank acceptance；Frozen incentive；Frozen payment；Frozen marketing DAA；Stop invoicing；Initiate internal equities-paid process (cash, incentive and deposit)Zhang Miao1、Department main r

14、esponsibilities of wholesale financing risk control process库存融资风险管控职责序号部门主要职责窗口人员1销售部汽车金融风险指标收集汇总；判断风险并通报；跟踪风险处理情况；向金融机构通报风险情况；发起权益（包括现金余额、返利、保证金等）代付流程叶茂2区域对于日常管理中发现的经销商潜在风险进行反馈；核实进入风险管控流程的经销商情况并督促整改；协助金融机构控制车辆和调剂销售；跟进风险处理进度大区总监3OTD对于进入风险管控流程的经销商冻结批售业务阎怡文4市场部通报合格证投诉数据；危机公关处理徐伯恺5网络部拟退网经销商通报；对于日常管理中发现

15、的经销商潜在风险进行反馈；对于进入风险管控流程的经销商判断并进行国产Jeep品牌预授权处理；对管理层进行风险管控汇报黄晓珊6财务部通报两方承兑风险；冻结返利；冻结款项支付；冻结市场支持；停止批售开票；权益（包括现金余额、返利、保证金等）代付付款；张淼1、各部门风险管控流程主要职责ItemDepartmentData provided to financial institutionFrequencyCoordinator1SalesDealer PerformanceMonthlyPeng Weijie2Dealer wholesale targetMonthlyPeng Weijie3Mar

16、ketingCustomers Complaints for QCWeeklyXu Bokai4NDDealer basic information（include new dealer）MonthlyEva Chen5Potential defecting dealer dataMonthlyPeter Peng2、Related risk control data provided by each departmentMain Responsibility库存融资风险管控职责序号部门向金融机构提供数据频次窗口人员1销售部Dealer Performance每月彭伟杰2经销商目标每月彭伟杰3

17、市场部合格证投诉每周徐伯恺4网络部经销商基础数据（包括新经销商数据）每月陈桦5拟退网经销商数据每月彭涛2、各部门风险管控数据对接Sales Dept. Sub-process8销售部子流程Specification of Sales Dept. sub-process1、Risk indicator criteria and risk control activation standard（Related to GAC SOFINCO AUTO FINANCE & FCA AOTO FINANCE ）Itemrisk control process will be activated

18、if dealer meet any of the following risk item1（total financed vehicles50 units）SOT5 units，（total financed vehicles50 units）SOT10 units2Customer complaint of QC 5 units3Average stock age of Financed vehicles 180 Days4Auto Finance Institution issue Notice letter of default5Potential risk presented by

19、Sales Dept. & ND Dept.（capital chain break、Investor lost、Legal issue and so on）6Risk of bank acceptance presented by FinanceSales Dept. collect risk indicator and determine whether to activate risk control process based on the above criteria.销售部子流程补充说明1、风险指标判断标准（目前金融机构仅广汽汇理、菲克金融数据）序号符合以下任意一项情况立即

20、启动风险管控流程1当前各金融机构（总融资台数50台）SOT总数5台，当前各金融机构（总融资台数50台）SOT总数10台2合格证投诉5单3任一金融机构库存融资车辆平均库龄180天4金融机构发出风险控制协助申请函5销售部区域或网络部反馈存在潜在风险（如资金链断裂、投资人失联、法律纠纷等）6财务部反馈存在两方承兑风险销售部每周收集汇总风险指标并依据以上标准判断风险并申请启动风险管控流程风险管控流程启动标准Specification of Sales Dept. sub-process1、Rsk indicator criteria and risk control process terminati

21、on standard（Related to GAC SOFINCO AUTO FINANCE & FCA AOTO FINANCE ）Itemrisk control process will be terminated if dealer meets all of the following risk item1（total financed vehicles50 units）SOT5 units，（total financed vehicles50 units）SOT10 units2Customer complaint of QC 5 units3Average stock a

22、ge of Financed vehicles 180 Days4Financial institution confirm dealer has completed rectification measure for Notice Letter of Default5Potential risk presented by Sales and ND has been solved （capital chain break、Investor lost、Legal issue and so on）6Finance confirm dealer do not involve in bank acce

23、ptance riskSales Dept. collect risk indicator and determine whether to terminate risk control process based on the above criteria.销售部子流程补充说明1、风险指标判断标准（目前金融机构仅广汽汇理、菲克金融数据）序号符合以下所有项情况，终止风险管控流程1当前各金融机构（总融资台数50台）SOT总数5台，当前各金融机构（总融资台数50台）SOT总数10台2合格证投诉5单3各金融机构库存融资车辆平均库龄180天4金融机构邮件确认经销商已完成风险控制协助申请函上的违规整改5

24、销售部区域或网络部邮件确认前期反馈存在潜在的风险（如资金链断裂、投资人失联、法律纠纷等）已解除6财务部邮件确认前期反馈存在两方承兑的风险已解除销售部每周收集汇总风险指标并依据以上标准判断风险并申请终止风险管控流程风险管控流程终止标准Specification of Sales Dept. sub-process2、Equities paymentIn order to improve risk control efficiency and make sure incentive could be paid to financial institution, Finance could take

25、 dealers place to use incentive to repay default amount as Sales Dept. initiative pavement requirement based on three-parties agreement.4、Exceptional case and termination of wholesale finance risk control process Auto finance team of Sales Dept. collect risk indicator and determine whether to termin

26、ate wholesale finance risk control process. If dealer apply to terminate wholesale finance risk control process when it is still involved in auto finance risk, district sales team examine, Auto finance team of Sales Dept. provide specification. Department head of Sales and ND would come to consisten

27、t opinion to approve termination of wholesale finance risk control process. This processing result will report to Daphne Zheng.If department head of Sales and ND have inconsistent opinion about the termination of risk control process, Daphne Zheng make the final decision.3、Frozen and unfreeze Jeep C

28、KD Pre-Authorization, Termination of dealer AuthorizationND Dept. would notice Sales Dept. and Finance about the action plan for Jeep CKD pre-Authorization in case dealer involve in Jeep CKD pre-Authorization.5、Regular meeting for wholesale finance riskIn order to improve risk control ,ensure inform

29、ation communication and be convenient for coordination of risk control, the regular meeting will be hold on the second Tuesday on monthly base. Auto finance team of Sales Dept. convene the meeting. Coordinator related to wholesale finance risk control process of ND Dept. and Finance will join the me

30、eting.销售部子流程补充说明2、权益代付为提高风险管控效率，同时避免经销商失联导致返利无法冲红，在收到金融机构风险控制协助申请代付的情况下，依据三方协议由销售部发起代付流程，财务可将相关权益直接代付给金融机构而不需要经销商进行冲红。4、特殊情况下，风险管控流程终止正常情况金融板块汇总各项风险指标，判断是否解除风险管控。如特殊情况需在各项风险指标尚未恢复正常情况下终止风险管控流程的，须由经销商申请，区域审批，金融板块说明情况后报销售部负责人和网络部负责人批准后终止风险管控流程，并将结果报告郑总。如销售部负责人和网络部负责人未形成一致意见则报郑总批准后终止风险管控流程。3、国产Jeep预授权冻

31、结、恢复及经销商授权终止网络部须将国产Jeep品牌预授权的处理结果通报给销售部和财务部。（如有）5、风险例会制度为加强风险管控，保证信息沟通顺畅，便于各部门协同处理风险，建立风险例会制度，时间为每月第2个周二。由汽车金融召集网络部、财务部窗口人员参加（其他部门可选参加）。Network Development Dept. Sub-process16DealerND dept.（Network Management）ND dept.（Network Development）Sales Dept.FinanceManagementIssue Notice letter of postpone of

32、 Jeep CKD Pre-Authorization which will be CC to OTD, district sales team and Auto Financing team belong to Fin dept. in case dealer involve in Jeep CKD pre-Authorization Close wholesale finance risk control process Issue notice to unfreeze postpone of Jeep CKD pre-Authorization which will be CC to O

33、TD, district sales team and Auto Financing team belong to Fin dept. ApproveYSpecial case processingNYNReach payment agreement with Auto Finance institution or risk presented on Notice letter has been solvedApprove Execute phase 1st risk control actionApprove Execute phase 2nd risk control actionRisk

34、 presented on Notice letter has been solved1. Import & Domestic business ： carry forward incentive to repay the default amount based on the repayment agreement Suspend and technology support account2. Import business：Require CTCAI to claim indemnity frozen incentive and three-parties credit line

35、Import & Domestic business：Frozen internal incentiveStop wholesale & invoicingFrozen processing-payment include parts paymentFrozen marketing supportNYTermination of dealer Authorization processApplication of termination of dealer AuthorizationIssue notice to unfreeze postpone of Jeep CKD pr

36、e-Authorization which will be CC to OTD, district sales team and Auto Financing team belong to Fin dept. Import & Domestic business：Unfreeze internal incentiveRestart wholesale & invoicingUnfreeze processing-payment include parts paymentunfreeze marketing support1.Import & Domestic busin

37、ess ：Unfreeze internal & external incentive Restart wholesale & invoicing Unfreeze processing-payment include parts payment ；Restart claim indemnity and technology support accountunfreeze marketing support2. Import business ：Inform CTCAI to activate three-parties agreement credit lineClose w

38、holesale finance risk control process 网络部子流程17经销商网络部（网管）网络部（网发）销售部财务部管理层发出广汽菲克国产Jeep预授权冻结告知函并抄送销售部支持团队、分管区域团队以及财务部金融风险控制团队（如有）结束库存融资严重风险管控措施 解冻经销商国产Jeep预授权并通告抄送销售部支持团队、分管区域团队以及财务部金融风险控制团队（如有）批准Y个案处理NYN与金融机构达成还款协议或解决风险控制协助申请函所列示风险实施第一阶段库存融资严重管控措施 实施第二阶段库存融资严重管控措施 与金融机构达成还款协议或解决风险控制协助申请函所列示风险1.进口车&

39、;国产车： 按照还款协议结转返利清偿欠款 暂停索赔及技术支持账户2. 进口车：除上述措施以外，通知中进冻结返利及三方融资额度进口车&国产车：冻结公司内部返利；停止新车批售开票；冻结其他往来款项包括配件款；冻结市场支持NY终止经销商授权流程申请终止经销商授权解冻经销商国产Jeep预授权并通告抄送销售部支持团队、分管区域团队以及财务部金融风险控制团队（如有）进口车&国产车：解冻公司内部返利；恢复新车批售开票；解冻其他往来款项包括配件款；解冻市场支持1.进口车&国产车：解冻公司内部及外部返利；允许新车批售及开票；解冻其他往来款项包括配件款；允许索赔及启用技术账户；解冻市场支持

40、2. 进口车：通知中进可恢复三方融资额度结束库存融资严重风险管控措施 18 In order to make sue risk control measure is executed on time, we should use email provision tool. When we apply to execute Phase 1st whole finance risk control measure, please use the following template.When we apply to terminate Phase 1st whole finance risk control measure, please use the following