1. The loan policy of commercial banks refers to the general name of various policies and measures formulated by commercial banks to guide the loan business in order to achieve business objectives. It is also a concrete policy measure for commercial banks to implement the three principles of safety, liquidity and profitability. 2. The purpose of the loan policy of commercial banks is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision. The ideal loan policy can support banks to make correct loan decisions and is conducive to the operation of banks; The second is to ensure the quality of bank loans. In addition, the loan policy is a credit commitment established within the whole bank. The credit commitment established through clear policies is the basis for the development of bank credit culture. In the process of transition from planned economy to market economy, the loan policy mainly comes from the monetary authorities. However, with the relaxation of government financial supervision, commercial banks must formulate their own content lending policies. The scientificity, rationality and execution of loan policy will inevitably affect the operating performance of commercial banks. 1. The loan decision is made on the basis of comprehensive evaluation of loan projects and loan enterprises. Bank loan decision is the core issue of commercial bank management. When making a loan decision, in addition to having enough data and reliable information for qualitative and quantitative analysis of related factors, the experience and business style of bank decision makers are also a key factor. 2. The frequency and quality of approval decisions depend on the strength of credit marketing to a certain extent. The new credit management system strengthens the unified legal person system, implements centralized, unified and intensive management methods, especially strengthens the authorization system of credit authority, and requires banks at all levels to strictly comply with regulations and operate steadily to achieve high-quality, efficient and sustainable development. Strengthen risk prevention and standardize the examination and approval procedures for business decisions. When there is a strong impulse to expand in the process of credit marketing, and it is necessary to expand the market, innovate varieties and seize the share, grass-roots banks can easily trigger the impulse of credit supply, resulting in extensive credit supply. The management pays more attention to market share than asset quality, and short-term goals than long-term planning, which indirectly affects the effective implementation of the credit approval management system, especially for tier-two branches with credit management and approval decision-making power. At the same time, the impulsiveness of credit marketing will directly affect the quality of examination and approval decisions, so how to properly grasp business development and risk control.
Second, what is the post-loan management of personal credit information?
Post-loan management of personal credit information refers to the whole credit management process from loan issuance or other credit business to principal and interest recovery or credit termination.
After the bank handles the loan or credit card, the credit information system on the bank will query the personal credit information, and the post-loan management options will be displayed.
Post-loan management is the last link of credit management, which plays a vital role in ensuring the safety of bank loans and preventing and controlling cases. Post-loan management is an important link to control risks and prevent non-performing loans.
The financial situation of customers is constantly changing. Customers may be in good financial condition when approving credit, but due to the influence of industry policies and customers' investment mistakes, the upstream and downstream effects (negative effects are manifested in the price increase of raw materials, product price reduction or demand reduction, etc. ) will lead to major adverse changes in the financial situation of customers.
Post-loan management is to track the changes of customers' industry, customers' upstream and downstream and customers' own financial situation, including their commercial credit, find out problems that may be unfavorable to timely repayment of loans in time, and put forward measures to solve the problems.
3. Credit management of personal business loans of Jiangsu Commercial Bank?
This belongs to the category of internal system management of banks, and it is necessary to check risk management, credit investigation and house price trend.
4. Does the personal business loan include the purchase of commercial housing?
Including. Personal business loans refer to loans issued by banks to borrowers for legal production and business activities such as the flow, purchase or renewal of business equipment. Personal commercial special loans also include personal commercial housing loans and loans issued by personal commercial banks to individual borrowers to use the funds needed for the store.
Legal analysis
Individuals run shops. Personal business loans are personal capital loans, including personal business housing loans and personal business equipment loans. The loan funds of personal commercial housing loans can be used for directional purchase and lease of commercial houses or shops. Therefore, if the purchase of shops is to meet the needs of legitimate production and business activities, the loan funds can be used to purchase shops. Always buy a shop, but you need to agree with the bank in advance on the purpose of the loan. Personal business loan is a loan with the property of an enterprise legal person or shareholder as collateral, and the funds obtained are used for business operation. This kind of loan is similar to SME loan to some extent, and its business management is more complicated. Because of the good economic environment, great market potential, high management level, good asset quality and low non-performing rate of personal loans, individual industrial and commercial households are chosen.
legal ground
People's Republic of China (PRC) Civil Code
Article 306 Where the share of immovable property or chattel is transferred by shares, the transfer conditions shall be agreed upon, and the preemptive right shall be exercised within a reasonable period of time. If two or more other persons claim to exercise the preemptive right, their respective purchase proportions shall be determined through consultation; If negotiation fails, it shall be in accordance with their respective rights at the time of transfer.
Article 310 Where two or more organizations or individuals enjoy real rights, the relevant provisions of this Chapter shall apply mutatis mutandis.