Credit is the borrowing behavior between different owners that reflects a certain economic relationship. It is a special form of value movement on the condition of repayment. It is a credit activity in which creditors lend money and debtors repay and pay certain interest on time.
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Loan review risk
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.
(1) omitted the review. The bank's loan examiner failed, causing credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial organizations will cause a lot of capital losses and bad debts.
(2) No due diligence. In practice, loan examiners often only pay attention to the identification of documents, but lack due diligence, so it is difficult to identify fraud in loans and cause credit risks.
(3) misjudgment. Banks did not listen to experts' opinions on relevant contents, or made professional judgments by professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects.
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