Three essences: full-process refined management, agreement commitments, entrusted payment

Seven essences: full-process management, honest loan application, agreement commitments, actual loan payment, loan Distribution control, post-loan management, and penalty constraints

Loans were originally divided into three links: "pre-loan, loan, and post-loan". The new loan regulations subdivide the entire loan process into acceptance, investigation, and risk management. The nine major links include evaluation, approval, contract signing, issuance, payment, post-management and disposal, and risk management and control requirements are put forward for key links to implement refined management. Integrity loan application emphasizes that borrowers must abide by the principle of honesty and trustworthiness when applying for loans, provide financial information to the lender truthfully, comprehensively and timely and disclose major matters. The principle of "agreement and commitment" requires banks to sign complete loan contracts and other agreement documents with borrowers and other relevant parties to regulate the relevant behaviors of all parties, clarify the rights and obligations of each party, adjust the legal relationships between the parties, and hold all parties legally accountable. The principle of separate lending and control emphasizes that loan approval is not equal to lending, and focuses on the review of various prerequisites for lending, the use of loan funds and other factors, and changes the original wrong operation of "conditional approval and unconditional lending". Actual loan payment means that the bank shall, based on the progress of the loan project and effective loan demand, when the borrower needs to pay the loan funds externally, according to the borrower's withdrawal application and payment entrustment, the loan funds will be paid through the lender's entrusted payment, etc. The process of giving borrowers transaction objects that comply with the contract. The key is to allow the borrower to use it as specified in the loan contract and reduce the risk of loan misappropriation. While following the traditional post-loan management methods of commercial banks, the new loan regulations highlight the requirements for post-loan management in the following aspects: supervising the use of loan funds according to purpose; monitoring borrower accounts; emphasizing the relevant provisions of the loan contract on post-loan management work It is guiding and binding; it clarifies the legal responsibility of the lender to conduct post-lending management in accordance with regulatory requirements. Penalty constraints clearly propose the use of "regulatory measures" or "administrative penalties" to constrain the behavior of transaction entities such as lenders and borrowers.