Interim Provisions on the Tracking Management of Bank Loans in China I. General Provisions Article 1 These Provisions are formulated in accordance with the Law of People's Republic of China (PRC) Commercial Bank, the General Rules on Loans and the relevant provisions on bank credit management in China. Relevant information: Constitutional Law * *1Ministry Regulations *** 1 Industry Specification *** 1 Article 2 The term "loan tracking management" as mentioned in these Provisions refers to the loan management in all aspects from loan approval to loan recovery. Article 3 The main task of loan tracking management is to take loan risk management as the core, and through tracking and analyzing the organizational form, method system, staffing, loan itself, borrowing enterprises, guarantees and other factors of loan tracking management of Bank of China, find problems in time and take corresponding management measures, so as to prevent, control and transform loan risks and improve the quality and efficiency of credit assets. Ii. division of responsibilities for loan tracking management article 4 loan tracking management shall adhere to the principle of separation of loan review. The credit business department is responsible for daily and regular supervision and inspection of loans and borrowing enterprises, collecting and analyzing relevant loan information, reporting important matters affecting loan safety and morphological changes, preliminarily approving loan issuance and loan classification, doing a good job in loan asset preservation and non-performing loan reporting, and filling out various loan business statistical reports. Article 5 The credit management department shall comprehensively monitor the credit changes of the borrowing enterprises, adjust the credit line of the borrowing enterprises in time, coordinate the credit behaviors of all credit departments, examine and approve the loan issuance, loan classification, write-off of bad debts and other matters submitted by the credit business departments, study other matters reported by the credit business departments and put forward handling opinions. Put forward requirements or suggestions on the tracking management of abnormal loans and non-performing loans, and inspect and guide the loan management of branches and credit business departments within their jurisdiction. Three. Article 6 In order to ensure the implementation of various measures of loan tracking management, all banks should supplement and adjust credit personnel in time, ensure that the quantity and quality of credit personnel are commensurate with the scale of credit business, and ensure the effective tracking management of loans. In principle, the per capita number of loan officers in charge of the borrowing enterprise shall not exceed 10, and under special circumstances, the maximum number shall not exceed 20. Article 7 For large-scale loan customers whose loan balance in Chinese banks exceeds 2 billion yuan (foreign exchange loans are equivalent), tier-one branches shall be equipped with department-level resident credit teams or department-level loan officers (or account managers). A tier-one branch may choose some loan enterprises within its jurisdiction, and be equipped with a department-level resident loan team or a full-time loan officer (or account manager) below the sub-department level. Relevant personnel enjoy corresponding post benefits during their stay in the factory. When transferred from this post, the post will be re-appointed. Article 8 In order to find out the problems existing in the loan tracking management in time, the credit officers shall rotate their posts regularly. All banks should strictly follow the provisions of the Head Office on job rotation and do a good job in job rotation of credit personnel. Before the post rotation of credit personnel, the credit department should carefully check the loans issued by the original post, and can only leave the post after dealing with the loans with problems and responsibilities. Article 9 In order to improve the quality of loan tracking management, all banks should strengthen the on-the-job training and business assessment of credit personnel. A comprehensive examination should be conducted for new employees, and they can only be employed after passing the examination; Those who fail the exam shall not engage in credit work. On-the-job credit personnel should organize to learn new business and knowledge, and conduct comprehensive assessment on a regular basis; Those who fail the examination will be re-examined after half a year, and those who still fail will be transferred from their posts. Where conditions permit, the appointment system can be implemented. Four. Follow-up inspection of loan use and recovery Article 10 It is necessary to closely follow the flow of loan funds to ensure that the loan is used according to the agreed purpose. Enterprises in the use of loan funds, by the loan officer to review the enterprise's plans, procurement contracts, etc. To ensure that the loan is used according to the contract. When it is found that the purpose of the loan is inconsistent with the contract and is used for other purposes, the use of enterprise funds should be suspended and corrected within a time limit. After the issuance of fixed assets loans, they should be transferred to the deposit account opened by the project, subject to special account management and earmarking, and strictly control the issuance of loans. Article 11 It is necessary to strengthen the follow-up supervision of the loan withdrawal of borrowing enterprises, and timely analyze the changes and existing problems of the capital movement, especially the cash flow, of borrowing enterprises. It is necessary to closely track the return of funds caused by domestic bank loans, urge enterprises to repay loans on time, prevent them from being used for other purposes, and increase the risk of loan recovery. Twelfth one month before the maturity of working capital loans, credit personnel should focus on the repayment ability of borrowing enterprises and the implementation of repayment funds. For fixed assets loans and real estate loans, three months before the loan expires according to the repayment plan, the loan officer should check whether the borrower's repayment fund source is implemented and whether the loan principal and interest can be repaid on schedule. In the meantime, we will pay close attention to the changes in corporate accounts and urge enterprises to strengthen the withdrawal of funds. Thirteenth to strengthen the collection of loan principal and interest, before the maturity of the loan to the borrower issued a "loan is about to expire notice." If the borrower and the lender are in the same city, a Notice of Loan Maturity shall be issued one week before the short-term loan expires and one month before the long-term loan expires; If the borrower and lender are not in the same city, the above time is two weeks and two months respectively. Article 14 If the borrower fails to pay the interest and repay the due loan on time, the loan principal and interest shall be directly collected from the borrower's or guarantor's account according to the contract. For overdue loans, a "overdue loan reminder notice" should be issued to borrowers and guarantors every quarter, and the receipt should be kept. For borrowers and their guarantors who can't repay the loan on time, we should pay attention to the statute of limitations of the loan contract and the guarantee contract, and ensure that the lawsuit is filed within the statute of limitations or the mortgaged property is disposed of according to law. V. Follow-up inspection of borrowing enterprises Article 15 During the use of loans, the borrowing enterprises shall be inspected according to the following inspection contents: 1. The comprehensive quality of enterprise leaders and its changes; 2. The production and operation of the enterprise, including production capacity, costs and expenses, especially the market changes of products, such as sales revenue, accounts receivable turnover rate, inventory turnover rate, etc. ; 3 main financial indicators of the enterprise, such as current ratio, quick ratio, asset-liability ratio, sales profit rate, etc. ; 4. Corporate liabilities, such as bank loans (including bank loans from China), the use and payment of bank acceptance bills and letters of credit, the company's net accounts payable, contingent liabilities, etc. ; 5 corporate debt repayment, such as whether the loan is overdue, interest owed, quality classification, etc.; 6. Deposit, settlement and other banking business of the enterprise in China Bank; 7. Major foreign investment of enterprises; 8. Enterprises involved in legal proceedings; 9 enterprise restructuring, restructuring and the implementation of loan debt; 10. Changes in the guarantee ability of the loan guarantor (guarantee enterprises should also check according to this article) and changes in the custody and value of the loan collateral 1 1. Do these changes lead to changes in the credit rating and credit line of enterprises and their impact on the loan security of Chinese banks? Article 16 Fixed assets loans and real estate loans shall also include the following inspection contents: 1. The implementation of project capital and other sources of funds; 2. Whether the project is progressing smoothly, whether the construction progress is in line with the plan, whether there are delays and reasons for delays, whether the total investment in the project construction process has broken through, the reasons for the breakthrough and the amount; 3. Whether the cumulative workload of the project is equivalent to the cumulative financial expenditure of the project, and whether the expenses comply with relevant regulations; 4. Whether the technologies, processes and equipment adopted in the project have undergone major changes; 5. Benefit and market situation after the project is put into production or completed; 6. After the completion of the project, whether the facilities and equipment operate normally, whether the expected benefit indicators are achieved, and the progress of the housing sales plan; 7. Personal housing secured loans should also check whether the borrower has defrauded bank credit, whether the house payment is paid on schedule, occupation, income, conduct and other changes. Seventeenth inspection of borrowing enterprises should adhere to the combination of daily inspection and regular inspection. Daily inspection is mainly to grasp the temporary and local changes of enterprises in time. After each inspection, the inspection shall be recorded in the account of the loan management desk for future reference, and in case of major circumstances, it shall be reported in time. Regular inspection is a comprehensive inspection of the overall situation of the enterprise, including the above contents, and within 10 days after the inspection, an inspection report is written and reported to the relevant leaders. For loans approved by the head office, the inspection report shall be submitted to the relevant departments of the head office. Article 18 The interval of regular inspection shall not exceed the following standards: AAA and AA enterprises shall not exceed 180 days; A, BBB enterprise does not exceed 90 days; Enterprises below BB level are generally 60 days. For enterprises that have not participated in the rating, the loan inspection interval shall be determined by the branches above tier 2 (inclusive). The inspection interval between fixed assets loans and real estate loans shall not exceed 90 days. When interest is in arrears, loans overdue and banks advance funds due to guarantee, etc., special inspections should be conducted immediately to find out the reasons and take measures. Article 19 In the follow-up inspection of loans, if it is found that the borrowing enterprise has one of the following circumstances, it will be classified as an enterprise with bad record after being identified by a branch at or above the second level: 1. Providing false financial statements or information to banks; 2. Dispose of the collateral (pledge) without the consent of the bank; 3. Deliberately default on due loans or loan interest; 4. Avoid bank debts through various forms. For enterprises with bad records, they should report to the superior bank and notify the relevant banks, strictly control their loans, and give interest rate hikes or penalty interests as appropriate. Early warning and quality classification of intransitive verbs loan risk Article 20 Establish a loan risk early warning system to predict and discover loan risks in time. The following indicators are mainly set for loan risk early warning: 1. Financial aspects, including operating income, inventory, accounts receivable, current ratio and quick ratio, when any one of these indicators has an adverse change of more than 8% within half a year. 2. Non-financial aspects, including the abnormal behavior or adverse changes of the main management personnel of the enterprise, the increase of internal management confusion or unfavorable news, the enterprise involved in a large number of unfavorable lawsuits, many unfavorable factors in the industry where the main products of the enterprise are located, or major investment misjudgment. 3. In terms of transactions with banks, including the continuous reduction of account deposits, rejection of bills, multi-head lending or fraudulent loans, failure to submit financial statements required by banks on time or avoiding contact with banks. Twenty-first found one of the above factors, should immediately conduct a comprehensive inspection of the borrowing enterprise, find out the real situation and reasons of enterprise changes, and take corresponding management measures. When the enterprise situation changes greatly, which may affect the safety of bank loans in China, the credit business department should report to the credit management department according to the prescribed procedures or transfer to the corresponding abnormal loans for management. Twenty-second on the basis of the above-mentioned loan use and recovery inspection, borrowing enterprise inspection and risk early warning, the loan quality is classified according to the degree of loan risk. Bank loans in China are classified into the following five categories according to the degree of risk: 1. Normal loan: The borrower can strictly perform the loan contract and is fully confident to repay the loan principal and interest in full and on time. 2. Pay attention to the loan: Although the borrower has the ability to repay the loan at present, there are some factors that may adversely affect the loan repayment. If these factors continue to exist, it will have an impact on the repayment ability of borrowers. 3. Subprime loan: The borrower's repayment ability has obvious problems, and it is no longer possible to guarantee the full repayment of the loan principal and interest by relying on its normal operating income. 4. Suspicious loan: The borrower can't repay the loan principal and interest in full, even if the mortgage or guarantee is implemented, it will definitely cause certain losses. 5. Loss loan: After taking all possible measures and all necessary legal procedures, it is expected that the loan will still not be recovered, or only a very small part can be recovered. The latter four are called abnormal loans, and the latter three are called non-performing loans. Article 23 The core of loan classification is the degree of loan risk, which is classified by combining qualitative and quantitative methods. Specific standards and procedures refer to the relevant provisions of the Bank of China on loan classification.

2. Can the money in the bank card be used for mortgage loan?

number; amount; how many; how much

3. Can the bank card be pledged to the bank?

Of course not, foreign exchange will not go to overseas bank cards by itself.

4. Can I deposit a bank card?

Now bank cards have been widely used in all aspects of our lives, but the main function of bank cards is to deposit and withdraw cash. We usually deposit RMB. Then, can I deposit my bank card?

Whether a bank card can be deposited is related to the card type of this bank card and the bank's regulations. Like the current bank cards, most of them are multi-currency, so they generally support storage. In particular, the US dollar, the euro and other large currencies, basically all banks support storage. Moreover, multi-currency bank cards can store not only currencies of many countries, but also Hong Kong dollars.

But if your bank card is a single-currency card, you can't store it. Therefore, if you want to store the card in the bank card, it is recommended to call the customer service hotline of the bank to which the bank card belongs first and ask the customer service staff whether the card is multi-currency and what storage it supports.

In addition, if your bank can't deposit it, you can also choose to change it into RMB and deposit it again.