Loan refers to the financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
(b) In practice, some enterprises fail to conduct due diligence. In practice, loan examiners often only pay attention to the identification of documents, but lack due diligence, which makes it difficult to identify fraud in loans and leads to credit risk.
(3) misjudgment: the bank did not listen to the opinions of experts on the relevant content, or made professional judgments by professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects.