經銷商庫存融資金融風險管控流程_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 inte

2、rnal 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 default amount

3、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 & invoicingUnfre

4、eze 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 1st wholesale financ

5、e 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 & external incentive Restart wholesal

6、e & 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 ProcessApplication of terminatio

7、n 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網絡部財務部管理層銷售部庫存金融機構/經銷商經銷商出現(xiàn)庫存融一般或嚴

8、重風險實施第一階段庫存融資嚴重管控措施 進口車&國產車：凍結公司內部返利；停止新車批售開票；凍結其他往來款項包括配件款；凍結市場支持執(zhí)行還款協(xié)議完成欠款清償或已解除申請函所示風險實施第二階段 庫存融資嚴重風險管控措施 1.進口車&國產車： 按照還款協(xié)議結轉返利清償欠款 暫停索賠及技術支持賬戶2. 進口車：除上述措施以外，通知中進凍結返利及三方融資額度終止經銷商授權流程進口車&國產車：解凍公司內部返利；允許新車批售；解凍其他往來款項包括配件款；解凍市場支持個案處理辦法判斷是否有嚴重庫存融資風險需要提請管控措施執(zhí)行整改措施控制NYYN與金融機構達成還款協(xié)議或解決風險控制協(xié)助申請函所列示風險的協(xié)議結

9、束第一階段庫存融資嚴重風險管控措施 銷售部接到金融機構對經銷商發(fā)出的風險控制協(xié)助申請函經銷商完全解除庫存融資風險結束第二階段庫存融資嚴重風險管控措施 Y批準1.進口車&國產車：解凍公司內部及外部返利；允許新車批售及開票；解凍其他往來款項包括配件款；允許索賠及啟用技術賬戶；解凍市場支持2. 進口車：通知中進可恢復三方融資額度NYN庫存融資風險管控流程申請終止經銷商授權凍結國產Jeep預授權（如有）兩方庫存融資風險需要提請管控措施解凍國產Jeep預授權（如有）解凍國產Jeep預授權（如有）Main ResponsibilityItemDepartmentResponsibilitiesCoordi

10、nator1SalesAuto 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 potential risk of dealers daily operation；Push d

11、ealer 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 business who involve in wholesale financing risk c

12、ontrol 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 postpone Jeep CKD Authorization ;Report to manag

13、ement 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 responsibilities of wholesale financing risk cont

14、rol process庫存融資風險管控職責序號部門主要職責窗口人員1銷售部汽車金融風險指標收集匯總；判斷風險并通報；跟蹤風險處理情況；向金融機構通報風險情況；發(fā)起權益（包括現(xiàn)金余額、返利、保證金等）代付流程葉茂2區(qū)域對于日常管理中發(fā)現(xiàn)的經銷商潛在風險進行反饋；核實進入風險管控流程的經銷商情況并督促整改；協(xié)助金融機構控制車輛和調劑銷售；跟進風險處理進度大區(qū)總監(jiān)3OTD對于進入風險管控流程的經銷商凍結批售業(yè)務閻怡文4市場部通報合格證投訴數(shù)據(jù)；危機公關處理徐伯愷5網絡部擬退網經銷商通報；對于日常管理中發(fā)現(xiàn)的經銷商潛在風險進行反饋；對于進入風險管控流程的經銷商判斷并進行國產Jeep品牌預授權處理；對管

15、理層進行風險管控匯報黃曉珊6財務部通報兩方承兌風險；凍結返利；凍結款項支付；凍結市場支持；停止批售開票；權益（包括現(xiàn)金余額、返利、保證金等）代付付款；張淼1、各部門風險管控流程主要職責ItemDepartmentData provided to financial institutionFrequencyCoordinator1SalesDealer PerformanceMonthlyPeng Weijie2Dealer wholesale targetMonthlyPeng Weijie3MarketingCustomers Complaints for QCWeeklyXu Bokai4

16、NDDealer basic information（include new dealer）MonthlyEva Chen5Potential defecting dealer dataMonthlyPeter Peng2、Related risk control data provided by each departmentMain Responsibility庫存融資風險管控職責序號部門向金融機構提供數(shù)據(jù)頻次窗口人員1銷售部Dealer Performance每月彭偉杰2經銷商目標每月彭偉杰3市場部合格證投訴每周徐伯愷4網絡部經銷商基礎數(shù)據(jù)（包括新經銷商數(shù)據(jù)）每月陳樺5擬退網經銷商數(shù)據(jù)每

17、月彭濤2、各部門風險管控數(shù)據(jù)對接Sales Dept. Sub-process8銷售部子流程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 if dealer meet any of the following risk item1（total

18、 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 Sales Dept. & ND Dept.（capital chain break、Investor

19、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.銷售部子流程補充說明1、風險指標判斷標準（目前金融機構僅廣汽匯理、菲克金融數(shù)據(jù)）序號符合以下任意一項情況立即啟動風險管控流程1當前各金融機構（總融資臺數(shù)50臺）SOT總數(shù)5臺，當前各金融機構（總融資臺數(shù)50臺）SOT總數(shù)

20、10臺2合格證投訴5單3任一金融機構庫存融資車輛平均庫齡180天4金融機構發(fā)出風險控制協(xié)助申請函5銷售部區(qū)域或網絡部反饋存在潛在風險（如資金鏈斷裂、投資人失聯(lián)、法律糾紛等）6財務部反饋存在兩方承兌風險銷售部每周收集匯總風險指標并依據(jù)以上標準判斷風險并申請啟動風險管控流程風險管控流程啟動標準Specification of Sales Dept. sub-process1、Rsk indicator criteria and risk control process termination standard（Related to GAC SOFINCO AUTO FINANCE & FCA AO

21、TO 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 age of Financed vehicles 180 Days4Financial institution confi

22、rm 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 acceptance riskSales Dept. collect risk indicator and determine

23、whether to terminate risk control process based on the above criteria.銷售部子流程補充說明1、風險指標判斷標準（目前金融機構僅廣汽匯理、菲克金融數(shù)據(jù)）序號符合以下所有項情況，終止風險管控流程1當前各金融機構（總融資臺數(shù)50臺）SOT總數(shù)5臺，當前各金融機構（總融資臺數(shù)50臺）SOT總數(shù)10臺2合格證投訴5單3各金融機構庫存融資車輛平均庫齡180天4金融機構郵件確認經銷商已完成風險控制協(xié)助申請函上的違規(guī)整改5銷售部區(qū)域或網絡部郵件確認前期反饋存在潛在的風險（如資金鏈斷裂、投資人失聯(lián)、法律糾紛等）已解除6財務部郵件確認前期反饋存

24、在兩方承兌的風險已解除銷售部每周收集匯總風險指標并依據(jù)以上標準判斷風險并申請終止風險管控流程風險管控流程終止標準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 dealers place to use incentive to repay default amount as S

25、ales 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 terminate wholesale finance risk control process. If dealer apply

26、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 consistent opinion to approve termination of wholesale finance risk c

27、ontrol 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 CKD Pre-Authorization, Termination of dealer AuthorizationND

28、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 information communication and be convenient for coordination of ri

29、sk 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 meeting.銷售部子流程補充說明2、權益代付為提高風險管控效率，同時避免經銷商失聯(lián)導致返利無法沖紅，在收到金融機構風險控

30、制協(xié)助申請代付的情況下，依據(jù)三方協(xié)議由銷售部發(fā)起代付流程，財務可將相關權益直接代付給金融機構而不需要經銷商進行沖紅。4、特殊情況下，風險管控流程終止正常情況金融板塊匯總各項風險指標，判斷是否解除風險管控。如特殊情況需在各項風險指標尚未恢復正常情況下終止風險管控流程的，須由經銷商申請，區(qū)域審批，金融板塊說明情況后報銷售部負責人和網絡部負責人批準后終止風險管控流程，并將結果報告鄭總。如銷售部負責人和網絡部負責人未形成一致意見則報鄭總批準后終止風險管控流程。3、國產Jeep預授權凍結、恢復及經銷商授權終止網絡部須將國產Jeep品牌預授權的處理結果通報給銷售部和財務部。（如有）5、風險例會制度為加強風

31、險管控，保證信息溝通順暢，便于各部門協(xié)同處理風險，建立風險例會制度，時間為每月第2個周二。由汽車金融召集網絡部、財務部窗口人員參加（其他部門可選參加）。Network Development Dept. Sub-process16DealerND dept.（Network Management）ND dept.（Network Development）Sales Dept.FinanceManagementIssue Notice letter of postpone of Jeep CKD Pre-Authorization which will be CC to OTD, distric

32、t 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 OTD, district sales team and Auto Financing team belong to Fi

33、n 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 presented on Notice letter has been solved1. Import & Domes

34、tic 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 lineImport & Domestic business：Frozen internal incentiveStop wholesa

35、le & invoicingFrozen processing-payment include parts paymentFrozen marketing supportNYTermination of dealer Authorization processApplication of termination of dealer AuthorizationIssue notice to unfreeze postpone of Jeep CKD pre-Authorization which will be CC to OTD, district sales team and Auto Fi

36、nancing team belong to Fin dept. Import & Domestic business：Unfreeze internal incentiveRestart wholesale & invoicingUnfreeze processing-payment include parts paymentunfreeze marketing support1.Import & Domestic business ：Unfreeze internal & external incentive Restart wholesale & invoicing Unfreeze p

37、rocessing-payment include parts payment ；Restart claim indemnity and technology support accountunfreeze marketing support2. Import business ：Inform CTCAI to activate three-parties agreement credit lineClose wholesale finance risk control process 網絡部子流程17經銷商網絡部（網管）網絡部（網發(fā)）銷售部財務部管理層發(fā)出廣汽菲克國產Jeep預授權凍結告知函

38、并抄送銷售部支持團隊、分管區(qū)域團隊以及財務部金融風險控制團隊（如有）結束庫存融資嚴重風險管控措施 解凍經銷商國產Jeep預授權并通告抄送銷售部支持團隊、分管區(qū)域團隊以及財務部金融風險控制團隊（如有）批準Y個案處理NYN與金融機構達成還款協(xié)議或解決風險控制協(xié)助申請函所列示風險實施第一階段庫存融資嚴重管控措施 實施第二階段庫存融資嚴重管控措施 與金融機構達成還款協(xié)議或解決風險控制協(xié)助申請函所列示風險1.進口車&國產車： 按照還款協(xié)議結轉返利清償欠款 暫停索賠及技術支持賬戶2. 進口車：除上述措施以外，通知中進凍結返利及三方融資額度進口車&國產車：凍結公司內部返利；停止新車批售開票；凍結其他往來款項

39、包括配件款；凍結市場支持NY終止經銷商授權流程申請終止經銷商授權解凍經銷商國產Jeep預授權并通告抄送銷售部支持團隊、分管區(qū)域團隊以及財務部金融風險控制團隊（如有）進口車&國產車：解凍公司內部返利；恢復新車批售開票；解凍其他往來款項包括配件款；解凍市場支持1.進口車&國產車：解凍公司內部及外部返利；允許新車批售及開票；解凍其他往來款項包括配件款；允許索賠及啟用技術賬戶；解凍市場支持2. 進口車：通知中進可恢復三方融資額度結束庫存融資嚴重風險管控措施 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 template.Wh