For a long time, post-lending management has been a weak link in China's bank credit management. Due to the inertia thinking and practice in credit management, there are still many problems in the current post-loan management.
In the Guidelines for Due Diligence of Credit Granting of Commercial Banks, post-loan management and problem credit handling are emphasized and standardized as important links of bank credit business, which fully illustrates the importance of strengthening post-loan management.
Extended data:
According to the Interim Measures for the Administration of Personal Loans:
Chapter VI Post-loan Management
Article 35
After the personal loan is issued, the lender shall take effective measures to track, check and monitor the use of loan funds, changes in the borrower's credit and guarantee, and ensure the safety of loan assets.
Article 36
Lenders should distinguish the types, objects and amounts of personal loans, and determine the corresponding loan inspection methods, contents and frequencies. The internal audit department of the lender shall conduct spot checks and evaluations on the work quality of the loan inspection department.
Article 37
The lender shall regularly track, analyze and evaluate the borrower's performance of the loan contract, and take it as the credit evaluation basis for subsequent cooperation with the borrower.
Article 38
The lender shall, in accordance with the provisions of laws and regulations and the provisions of the loan contract, investigate the liability for breach of contract for the borrower's failure to provide true and complete information as promised in the contract and to use and pay the loan as agreed in the contract.
Article 39
With the consent of the lender, the personal loan can be extended.
For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; For personal loans of more than one year, the cumulative extension period and the original loan period shall not exceed the maximum loan period stipulated by the loan variety.
Article 40
The lender shall recover the loan principal and interest in accordance with the loan contract.
For loans that are not repaid according to the loan contract, the lender shall take measures to collect or restructure by agreement.
Baidu Encyclopedia-Post-loan Management