The scope of the loan warning and suspension includes:

The scope of the loan warning and suspension includes the main business income declining for three consecutive months, the total profit declining for three consecutive months, the legal representative’s replacement or penalties from law enforcement.

Personal suggestion:

Before you make a loan, you must understand the relevant knowledge. Especially for enterprises, if there is a risk, the loan will be subject to risk control in a timely manner. . After a risk warning occurs, the bank will also unilaterally take the following measures, such as stopping the issuance of new loans, withdrawing the loan in advance and claiming the joint liability of the guarantor. Therefore, what you need to pay attention to is that you must learn to protect the safety of your property in life. , if there is any illegal operation, you must turn yourself in and stop the loss in time, so as not to affect your life.

The loan review should focus on risk quantification, prevention, control and management. It is necessary to quantify the impact of each content on loan risks in a risk-based systematic manner, demonstrate the degree of hidden risks in loan issuance, determine whether to agree to grant loans based on the degree of risk, select appropriate loan methods, and shift loan decision-making from qualitative analysis to quantitative analysis. To enhance the scientific rationality of loan decisions. The key is to implement the system of separation of loan review and loan review and strictly implement it; loan review and approval must implement a member division of responsibility system to ensure that the loan review work is in-depth and detailed and enhance the accuracy and fairness of the loan review.

Extended information:

Post-loan inspections should focus on early warning and handling management of loan risk growth.

1. The rigidity of the post-loan follow-up inspection system must be strengthened, and the actions, content, and quality of post-loan inspections must be in place. Banks with weak post-loan inspections must resolutely cancel their right to approve new loans.

2. It is necessary to provide timely and accurate feedback of early warning information on the development of loan risks.

3. Based on the loan risk warning information, distinguish the growth nodes of various loan risks, and promptly and decisively adopt appropriate loan risk disposal methods and measures to improve the timeliness and effectiveness of loan risk treatment. sex.

4. It is necessary to straighten out the relationship with the government, law enforcement agencies, and the People's Bank of China, and further improve the effectiveness of resolving new loan risks in accordance with the law.

Bank loans display orange warning

Risk loans appear. Moderate risk warning (orange warning) refers to the existence of various factors that seriously endanger loan safety and risky loans. Credit risk signals are divided into four colors: red, orange, yellow, and blue. As long as there are credit activities, credit risks will not be transferred by human will but exist objectively. To be precise, risk-free credit activities do not exist at all in actual banking work.

What are the consequences of a bank loan warning? It’s urgent to have expert guidance

Generally, there are the following possibilities:

1. The bank collects the loan and withdraws;

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2. Compress the loan limit;

3. If there are no subjective reasons, and effective measures can be taken to solve the problem and are recognized by the bank, there should be no bad consequences, but in most cases Customers who have been warned are extremely likely to face the first two outcomes.

Extended information:

During the validity period of the credit business, risk control members can conduct regular or irregular monitoring, on-site and off-site inspections, and a combination of open inspections and undercover visits. Credit customers conduct post-loan inspections and conduct quantitative analysis of the collected information to identify risk categories, degrees, causes and changing trends, reveal major loan risks, curb potential risks, and make early targeted treatment opinions to achieve early detection , early warning and timely prevention, control and resolution of risks.

The inspection items are as follows:

1. Whether the loan is used according to the original purpose; whether the loan principal and interest can be recovered on time; whether the loan is effective. Early warning notices are needed to remind corrections.

2. The People's Bank of China's credit reporting system checks credit records; whether it is blacklisted; and changes in liabilities. Need to follow up.

3. Changes in ownership of collateral; control status; changes in value.

If there is a risk, it is necessary to add additional guarantees or adjust the guarantee balance (pledge, mortgage, third-party guarantee)

4. Business conditions: contract execution; business commodity purchase, sale, and storage; major personnel and business events; financial matters Changes in personnel and financial status; changes in benefits; changes in cash flow; tax payment status; sustainable operating capabilities; and the impact of national policies. If there is a risk, the loan contract needs to be changed or the loan must be collected early or the loan contract terminated.

5. The borrower has violated the law and the asset-liability ratio has increased for two consecutive months, and has increased by more than 10 percentage points from the beginning of the year; the total profit has decreased for three consecutive months; there are illegal operations or economic and legal violations; and the law enforcement department has In case of penalties and other circumstances, it is necessary to apply for seizure and freezing of bank accounts, bank cards and personal assets, etc.

6. Inspection period The first follow-up inspection shall be conducted within 10 working days after the credit business occurs. An on-site key inspection should be conducted one month before the expiration of each credit business.

7. The customer is overdue due to special reasons. For example, if the customer fails to make it back from a business trip, the payment will be overdue for several days. We need to wait for customers to come back, strengthen communication, and ask customers to deposit the monthly repayment amount in advance to help customers manage their loan repayments.

8. If there is a problem with the customer's repayment ability. If there is a problem with the customer's repayment ability, first understand and evaluate its existing assets and liabilities. On this basis, make a decision on the borrower's future profitability. It is predicted that if the borrower can gradually recover his repayment ability over a period of time, we can adjust the repayment plan and repayment method based on the borrower's future fund withdrawal situation, and ultimately recover the creditor's rights.

9. If the customer has no willingness to repay or the willingness to repay has deteriorated, please refer to the overdue processing process and deal with the customer according to the specifications. In this case, as a lender, if you feel that there is a problem with the borrower's willingness to repay, no matter whether the borrower's repayment ability is sufficient or insufficient, the lender should take measures to recover as soon as possible. It is very simple. The reason is that since the borrower has problems with his repayment intention and wants to "defy" or "put off" the loan, in this case, if the lender does not take timely measures, the borrower will find ways to use various means. Debt collection.

10. The customer has neither the willingness nor the ability to repay the loan

Refer to the overdue processing process, handle the customer according to the specifications, initiate internal audit, analyze and approve the loan Check it out.

What does Harbin Loan mean when it says I have a risk warning?

The first-level loan warning means lack of sincerity in cooperation 1. Poor contact, loss of contact or poor communication with key customer personnel; The person in charge of the company and financial personnel frequently change their mobile phone numbers and often cannot be contacted. Even if they are contacted, they lie about being in the local area and claim to be on a business trip; they deliberately avoid the lender's personnel. 2. Failure to provide information or failure to provide periodic reports on time. Reluctance to provide information beyond periodic statements. Not willing to provide transaction details from other banks. Change or withdraw loan information previously provided to a lender. 3. Failure to cooperate with the inspection. The pre-agreed meeting time was postponed without reason. During the on-site post-loan inspection, key personnel avoided being seen. Refuse or cannot provide composition details for report data. 4. Transfer the basic account to the bank you have cooperated with for many years. Change the host bank. When it is necessary to judge the true nature of the customer's business scale and profitability through income tax returns, the customer is unwilling to provide them.

What does the orange alert for bank loans mean?

The orange alert for bank loans means that the relevant transactions are risky. Moderate risk warning (orange warning) refers to the existence of various factors that seriously endanger the safety of loans, and risky loans may occur.