There is no way to avoid losing stream tracking. As long as the user uses it according to the reason for applying for a loan at the beginning, it doesn't matter if it is tracked. Many fund demanders are very casual when signing bank loan agreements. In fact, this natural and unrestrained behavior shows that they lack a good sense of financing and financial management, and often pay more interest when lending, resulting in artificially "high interest rates." Because some banks' loan forms will make fund demanders pay more interest invisibly. For example, loans that retain the balance of deposits and loans that withhold interest. The so-called retained deposit balance loan means that when the fund demander obtains a loan from the bank, the bank requires him to retain a part of the loan principal and deposit it in the bank account, so as to limit the fund demander from repaying the loan principal and interest on schedule. But for those who need funds, the discount of the loan principal is equivalent to paying more interest. The so-called interest deduction loan means that some banks deduct all the loan interest from the lender's principal when issuing loans to ensure that the loan interest can be repaid on time. Because this method will reduce the loan funds available to the fund demanders and objectively increase the financing cost of the fund demanders. For those who need money, it takes a long time to use it. Therefore, in order to avoid paying more interest, when making a bank loan, we should plan the loan term reasonably. It is also a loan. The longer the loan grade is chosen, the higher the interest rate will be. In other words, the longer the loan term, the different interest will be paid even if it is repaid on the same day. If the loan term of the capital demander is 7 months, although it is only over the half-year time point of 1 month, according to the current loan interest-bearing regulations, only one-year loan interest rate can be implemented, which invisibly increases the loan interest burden of the capital demander. Generally, the term of a small loan company is 3 to 36 months, and that of a bank is calculated on an annual basis, 1 to 3 years. The mortgage type can be 10 year. One; The loan management methods of the banking industry mainly include credit, guarantee, mortgage and pledge. Accordingly, when banks implement the loan interest rate, the floating range of the loan interest rate will be different. It is also a loan with the same application period and the same amount. If you choose the wrong loan form, you may bear more loan interest expenses and let yourself pay more for nothing. Therefore, it is very important for fund demanders to pay attention to and understand the spread under different loan methods when lending to banks. For example, banks can provide loans with the lowest interest rate, such as discounted bills. If their own conditions permit, these two forms of loans are definitely more suitable.
Second, why can't the bank check the flow of funds?
If you can't find it, you can only use cash.
Three, the risk of credit capital flow and preventive measures
According to relevant regulations, banks need to strictly abide by the following points when issuing loans:
1, strengthen access management. In the credit link, it is necessary to scientifically verify the total amount, clearly distinguish the types, and strictly follow the authority; In the process of using letters, it is necessary to conduct in-depth investigation, careful examination, full brewing, strict examination and approval, and put forward effective restrictions and management measures; In the process of review, explore the establishment of independent review system, review collegial system, review consultation system and review supervision system. For normal loans, focus on strengthening maintenance and in-depth development, and continue to provide high-quality and efficient services and credit facilities; Pay close attention to the loan, pay close attention to the changing trend of unfavorable factors, ensure the effectiveness and sufficiency of the guarantee, and seize the opportunity of realizing customers' assets, external financing, restructuring and improving operations to quit; For suspicious loans, it is mandatory to collect them decisively according to law.
2. Strengthen early warning and monitoring. Risk early warning is an important measure to prevent credit risk. A good early warning mechanism can move the risk threshold forward and achieve the effect of early detection, early warning and early disposal. It is necessary to realize "multi-channel" early warning, innovate credit risk monitoring and early warning means, comprehensively use credit management system, professional statistical reports and various media to obtain risk information and data, build a risk monitoring and early warning information system, and form a working situation of "multi-angle observation, multi-directional analysis and multi-channel transmission". It is necessary to realize "zero distance" early warning, establish and improve a scientific monitoring index system, and improve the authenticity, timeliness and accuracy of monitoring.
3. Accelerate credit adjustment. There are not many enterprises that prosper under the conditions of market operation. Only by strengthening the credit withdrawal in a forward-looking way can the quality of credit assets be effectively prevented from deteriorating. In the aspect of customer withdrawal, "three changes" should be realized: First, the change from factual risk withdrawal to potential risk withdrawal. Move the risk threshold forward, dynamically track the migration trend of various loans, and improve the predictability of development trends. The second is the change from passive exit to active exit. Overall planning, early planning, through collection, write-off, examination and approval control and other means, actively reduce the loan balance of small-scale, low-efficiency, poor prospects and high-risk enterprises. The third is the transition from tactical exit to strategic exit. The adjustment of credit structure should not be rushed, and the rhythm and intensity must be controlled to prevent the formation of bad conditions when withdrawing.
4. Strengthen post-loan management. Post-loan management is to constantly find the early warning signals of marketing opportunities and customers, and constantly put forward solutions and countermeasures to solve problems and put them into action. It is necessary to establish an assessment system for post-lending management, incorporate customer inspection process, information analysis process, early warning and prediction process and customer withdrawal process into the overall assessment category of credit work, formulate assessment standards and basis for each management link and element, and urge post-lending managers to implement post-lending management frequently, consciously and deeply, and concretize conceptual management. It is necessary to establish a differentiated risk monitoring system, do a good job in dynamic tracking and monitoring of marginal loans while closely monitoring risk changes, and formulate a sound risk monitoring plan to resolve potential risks in time.
5. Cultivate a culture of compliance. Attention should be paid to cultivating good professional ethics of account managers, so that they will never cross the "protection line" of ideology and morality, never touch the "warning line" of rules and regulations, and never violate the "high-voltage line" of law. We should pay attention to the establishment of an incentive and restraint mechanism that is compatible with the compliance culture, and send a clear message, that is, reward those employees who are good at discovering risks, revealing risks and avoiding risks, and punish those employees who violate loan rules, create loan risks and ignore loan risks, and effectively form a good atmosphere of "not simplifying loan procedures on the grounds of efficiency, not adapting rules and regulations on the grounds of development, and not relaxing access conditions on the grounds of horizontal competition".
Fourth, how to prevent banks from tracking the flow of loans?
As a lending institution, banks have the obligation and right to track the process of each loan, which is also to protect the borrower's property and prevent the borrower's loan from being misappropriated. Therefore, there is no way to avoid traffic tracking. As long as the user uses the loan at the beginning of applying for the loan, the tracking will not be affected.