天津诚信汽车租赁公司

（一）核实承租人真实身份

(1) verifying the true identity of the lessee

身份证辨别方法在网上可以查询到很多相关资料，这里不进行一一列举。汽车租赁公司人员在核实身份需要注意是，对比证件上的照片与持证人的样貌特征，确保一致性。如果相貌差距较大、近期才办理或即将过期者，即明显虚假。也可尝试让承租人在其身份证复印件上签字确认并写明提供原因并签署日期，这样即使后续遇到身份资料和合同纠纷时，公司也可进行举证。

ID card identification method can be found on the Internet a lot of relevant information, not listed here. In order to verify the identity of the car rental company personnel, we need to pay attention to the consistency between the photos on the documents and the appearance characteristics of the holders. If there is a big gap between the appearance and the near future, it will be obviously false. It is also possible to try to allow the lessee to sign on the copy of his ID card and write the reason and sign the date so that the company can also give evidence even if the subsequent identity information and the contract dispute are encountered.

为了避免冒名盗用他人身份信息风险，审核人员除了需要询问承租人生日、生肖、资料表中填写的直系亲属生日、年龄等信息之外，可尝试询问资料信息以外的问题，如根据客户填写的工作职位问其具体的工作时间、毕业时间等问题。另外，利用第三方机构查询信息一般比较可靠，如客户提供了银行版的征信报告，可以结合征信报中信用卡或贷款等隐性信息进行提问，还可以利用人行中承租人其他的电话、手机号核实其真实身份。

In order to avoid the risk of misappropriation of the identity information of others, the auditor can ask questions other than the information of the information information, such as the specific work time, graduation time, in addition to the information information of the information information. And so on. In addition, the use of third party organizations to query information is generally more reliable, such as the customer provides a bank version of the letter of credit report, can combine the credit card or loan information in the letter of credit and other recessive information to ask questions, and can also use the other telephone and cell phone number of the person in the person's line to verify its true identity.

（二）确认承租人财务支付能力

(two) confirmation of the charterer's financial ability to pay

在风控流程中核实承租人单位信息非常重要，既能验证身份信息真实性，也能确认其职位、财务能力等，评估其还款能力。但现实中，不缺乏为了达到申请要求会伪造其职业信息的虚假客户。

It is very important to verify the unit information of the lessee in the wind control process, not only to verify the authenticity of the identity information, but also to confirm its position and financial ability, and to evaluate its repayment ability. But in reality, there is no lack of false customers who will forge their professional information in order to meet the application requirements.

此前常用的办法是通过客户资料表中的公司联系方式进行查询，但目前也可以利用大数据公司技术进行核实，不必再一一电话询问。但数据也会存在漏洞，不能完全避免造假行为，因此，对于职业真实性存疑的客户，务必严核具体的工作情况，进行一定的严格询问流程。确认其在职信息，如部门、职务，以及何时在单位办公，当前是否仍然在职等，又如公司经营的项目，产品、董事等信息。

The usual method is to inquire through the company contact form in the customer's data sheet, but at present, we can also use the technology of large data company to verify, and do not have to call one by one. However, there will be loopholes in the data, which can not be completely avoided. Therefore, for the customer who is doubtful of the authenticity of the profession, we must strictly check the specific work situation and carry out a certain strict inquiry process. Identify their in-service information, such as departments, duties, and when to work in a unit, whether or not it is still on the job, such as the company's projects, products, directors and other information.

对承租人房产、车产、银行流水等资产的财产也要制定严格的核实流程。如房产，除了常规的询问房产地址、购买时间等问题，可以更引申至目前地段房价、交通情况等进行调查测算是否符合情况。询问车产时，除了常规的询问其车型，购买日期、车险等问题外，还可以可根据VIN确认是否为进口车辆，在网上查询相关车价等与承租人所提供的资料对比是否符合逻辑。

A strict verification process should also be made for the property of the lessee, such as property, vehicle production and bank running water. Such as real estate, in addition to the regular inquiries of real estate address, purchase time, and other issues, can be more extended to the current housing prices, traffic conditions and other surveys to determine whether the situation is in accordance with the situation. When asking for car production, in addition to the conventional inquiry of its vehicle, purchase date, vehicle insurance and other issues, it can also be able to confirm whether it is an imported vehicle according to the VIN, and whether it is logical to compare the related vehicle prices on the Internet and the information provided by the lessee.

如有客户在提供的职业信息、房产等资产细节信息核对时回答不畅，但提到其他收入、财务问题却对答如流很可能就会存在职业或财力伪造的风险。

If the customer is not able to answer the details of the information and property, such as the professional information, property and other assets provided, it is likely that there will be a risk of occupational or financial forgery when it comes to other income and financial problems.

（三）了解合作意图，评估隐形风险

(three) understanding the intention of cooperation and assessing the hidden risk

在汽车租赁业普遍使用了身份证识别以后，再继续使用假证便很容易被发现，但依然有很多不良意图的犯罪分子会铤而走险，明目张胆地使用真实身份证租车，并且反复多次在不同的公司连续作案。而这样骗租却日渐形成“产业化”链条，使其成为困扰行业健康发展首要难题。

After the car rental industry generally uses identification card identification, it is easy to find the use of false evidence, but there are still a lot of bad intentions of criminals who will take the risk, use the real ID card to rent a car, and repeatedly in different companies repeatedly. However, this kind of cheating has gradually formed the "industrialization" chain, making it the primary problem that troubled the healthy development of the industry.

因此购车真实性是查核重点，对于车辆基本情况、贷款产品情况、以及业务办理过程的描述合理性，一定程度上体现了客户购车或贷款的真实意愿，尤其是过程中客户所关心的点尤为重要。除直接询问贷款意图外，还可以根据客户的职业信息资料或分析其消费行为，了解是否有其他的资金需求，谨防融资倾向强烈的客户。

Therefore, the authenticity of the car purchase is the key point of the inspection. To the basic situation of the vehicle, the loan product situation, and the description rationality of the business process, to a certain extent, it embodies the real intention of the customer buying the car or the loan, especially the point of concern of the customers in the process. In addition to inquiring about the intention of the loan directly, it is also possible to know whether there are other financial needs and beware of the strong financing customers according to the customer's professional information or the analysis of their consumption behavior.

四、升级防盗设施，建立完善监管制度

Four, upgrade anti-theft facilities, establish and improve the regulatory system.

目前虽然租赁公司的车辆都装有GPS卫星定位系统，但若没有对车辆轨迹进行实时监控就形同虚设。一般车载记录装置卫星定位系统都会安装在车身内，很容易被犯罪嫌疑人卸掉。建议升级车载记录装置系统，无GPS信号后会第一时间反馈信息，或更换安装位置，如装在发动机上，犯罪嫌疑人试图卸掉车载记录装置时，车子会自动熄火。

At present, although the vehicles of the leasing company are equipped with the GPS satellite positioning system, the real-time monitoring of vehicle trajectories is useless. The general vehicle mounted recording device, the satellite positioning system, will be installed inside the vehicle body, and it will easily be unloaded by the suspects. It is recommended to upgrade the vehicle recording device system, the first time feedback information, or the replacement of the installation position without GPS signal, such as installed on the engine, when the suspect tries to unload the vehicle recording device, the car will automatically extinguish the fire.

同时风控部门应当建立租赁车辆监管小组，规定好车辆状态报告时间限制，系统的掌握车辆活动范围和轨迹，发现定位系统异常则要及时做好记录并第一时间报案。

At the same time, the wind control department should set up the rental vehicle supervision group, stipulate the time limit of vehicle state reporting, control the range and track of the vehicle activities systematically, and find out the location system abnormality in time and report the case for the first time.