Lishu County, Siping City: Identity information has been lent, how to solve the problem of bad credit reporting?

Lishu county rural credit union linhai branch

Director Liu of credit cooperative

Kevin Z has been laid off and there are some problems in his work. Now the Associated Press requires him to be laid off and reorganized.

Lishu county rural credit union linhai branch

Deputy director of credit cooperatives

He is a rural loan officer of Kevin Z. In fact, the evidence from the credit union proves that Wei Xu borrowed money to raise pigs. Indeed, the money was for his own use, and Wei Xu took it. But as for how the money got to Kevin Z, that's between them.

Lishu county rural credit union linhai branch

Director Liu of credit cooperative

Kevin z was coordinated by the associated press, and this matter was solved.

How many days can this be solved?

Lishu county rural credit union linhai branch

Director Liu of credit cooperative

About seven working days a week.

Xu teacher is a resident of Linhai Town, Lishu County, Siping City.

Sunday should be April 19. Director Fu of the bank called me and asked me to go in the afternoon. When I arrived, there were five leaders of Lishu County Union, and Kevin Z, the loan officer, was also present. I got a detailed understanding of the situation, made a record, and then said who should pay the money. Director Liu, who is through, took us to the window.

Lishu county rural credit union linhai branch

Deputy director of credit cooperatives

The loan officer Kevin Z also actively cooperated. Everyone helped to raise money, and all the loans under Wei Xu's name were settled for him. Now our policy is relatively good, involving interest relief. For Xu Wei, he has settled the principal and interest and opened a green channel for him.

Lishu county rural credit union linhai branch

Deputy director of credit cooperatives

Because the trade union leaders sent the audit department to work overtime on weekends, we will try our best to solve the problems in Wei Xu, both in credit reporting and in all aspects, and we will solve them as quickly as possible.

Related Questions and Answers: Related Questions and Answers: Can I get a loan from a bank if my credit is bad? In the eyes of bankers, the characteristics of borrowers reflected by credit information and real estate mortgage are completely different.

Credit information reflects the borrower's repayment habits and wishes, while real estate mortgage reflects the borrower's repayment ability, especially the second repayment ability that the borrower needs to exert when he is unable to repay the money.

The credit report records the borrowing and repayment records of borrowers when they have a credit lending relationship with banks and other financial institutions in the past five years. It is the common logic of banks to push the future from the past. In the past, the repayment habit was good, and there was almost no overdue. If the borrower has no major problems, the repayment will be better in the future.

Being able to use real estate as collateral illustrates two problems:

At least it shows that he has real estate, which is the precipitation of past income and an important indicator of the borrower's stability and repayment qualification. The borrower can mortgage the house and solve the worries for the bank. If there is a situation that is not yet available, the house can be executed.

Then the problem comes, the credit is not good, can you make up for it with real estate mortgage? The answer is no, mainly for the following reasons:

First, the normal 1 ten thousand yuan is better than the bad1ten thousand yuan.

Some people think that banks can get higher returns if customers have to pay default interest after the deadline. Banks also like overdue. In fact, banks would rather put a little less money, no problem, than put a little problem.

If there is a problem with the loan, the account manager will sacrifice his time to market other customers to collect it, and in serious cases, he will be laid off to collect it. Banks should also include non-performing loans in the assessment, which will affect the performance of all those who handle loans. In addition, non-performing loans are included in the statement, and ordinary banks also forget it. Listed banks will be more serious because these loans will affect the non-performing rate and stock price.

Second, the implementation of real estate is not easy, and all kinds of work are very heavy.

Property mortgage is considered bad because the mortgaged property can be auctioned and the loan can be returned. However, the implementation of real estate is not as convenient as expected. If the mortgage of real estate is unfair, it is generally necessary to sue the borrower first and win the auction. Auction restrictions are not so fast, the second-hand housing market has been depressed, and the audience of auction houses is not so much.

In this series of work, account managers need to submit relevant information to cooperate with collection and implementation. Some banks directly hand in assets to guarantee all assets, and those who guarantee all assets also need special personnel to deal with the court to solve problems, which is heavy work.

Third, the regulatory agencies have regulations, and bad credit is not acceptable.

The "General Rules for Loans" issued by the regulatory agency requires banks to conduct risk rating on the borrower's performance, which mainly refers to the borrower's credit information. Each bank must also introduce clear management measures, which will clearly stipulate what credit conditions are not allowed to obtain loans.

Management measures are an important document for bank examiners to refer to. If the overdue times exceed the limit, no one can agree to lend money. If the loan is agreed, the follow-up audit will investigate the responsibility.

Summary:

Credit information and real estate are two aspects that borrowers can prove to banks that they can repay normally. If you don't have real estate, you can borrow money if you have good credit information, but if you don't have good credit information, you won't have real estate. Banks don't want to implement real estate in the future, but they want borrowers to repay normally. Mortgaged property is just an asset that needs to be used as a last resort. What's more, banks have management measures for credit reporting, and no one can surpass them.

If you think what I said is reasonable, you might as well give me some support, like, forward and pay attention.