The situation in which there are the manufacturers and sellers of vehicles is delicate, but the employer gives dealerships closed the fall season, establishing forecasts of closing sale of 840,000 units of vehicles in 2014 as attainable value this year.
Consumer credit begins to soar after years of declines, but do it gently. The total volume of consumer credit increased by 0.61% in the first quarter. Until March, the new loans for the purchase of vehicles increased by 11.68% and loans for consumer goods grew by 5.82%. Data are developed by Oscar Cremer, president of the Spanish Association of Credit Institutions (ASNEF) related to entities which groups this association. Entities associated ASNEF represent around 35% of total funding for Spanish households, according to the association itself.
- "The data lead us to be optimistic but cautiously, for credit recovery will not be strong until the economy grow more strongly" - Cremer said during the presentation of the report "Consumer credit: a lever for recovery "prepared by ASNEF by the Association of Economists of Madrid.
These figures confirm that last year, new loans for buying cars grouped entities ASNEF rose 4.13% and those for consumer goods rose 2.89%. It is the first rise since 2007.
The Plan_Pive support vehicle purchases has played an important role in the revival of appropriations for this purpose, which grew more than twice as loans for other consumer goods. So the president is ASNEF favored the continuation of this grant scheme launched by the government. (Source 5 days).
Increased lending for the purchase of vehicles, generates the need to use different solutions that enable financial institutions to ensure, insofar as possible, the reduction of criminal practices associated with the application of credits. Institutions face many challenges, among which are the decrease loss by fraudulent loans and facilitate the management of the application process, provide customer satisfaction and grow the profitability of operations.
One problem that can affect the admission of operations is on the phishing scam, which has resulted in the opening of accounts and lending very difficult recovery for financial institutions once granted.
In a chain of customer relations in the intermediate actors involved, such as prescribers, it is essential to compare the data provided in the application in a quick and safe manner and to hinder the exposure to fraud in financing operations, reducing operational costs in the grant process.
Confirms integrated solutions from a fraud prevention platform already used some of the leading financial institutions systems. One of the advantages of this tool is to institutions online access to a wide common file operations requests for irregularities in the data from them. Thus, you can prevent fraud from the time of the request for an operation in the state, reducing the cost for operational risk, cost management and procurement obligation. This is achieved by improving the efficiency of operations by its users analyzed through standardized processes.
Based on the technological knowledge and specialized consultancy, this platform allows you to convert data from the daily activities of an entity in business intelligence.
Therefore, in the market segment of financing vehicles, whose recovery has begun, is very useful and safety for entities to have a tool that allows them to analyze requests and detect fraudulent activities.
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