The contents of the loan ledger mainly include: the review of the lender's information, the lender's identity certificate, the lender's family situation, the lender's income situation and so on. The loan account, which can also be called field investigation, is an important link in the approval of bank loans, which is helpful for banks to judge the credit status of lenders and the security of loans.
The loan ledger is a kind of field investigation, which is mainly to confirm that the information provided by the lender is true and effective, which is helpful for the bank to approve the loan and determine the safety of the loan. The loan ledger mainly includes the lender's information audit, the lender's identity certificate, the lender's family situation and the lender's income. , is an important link for banks to approve loans.
Loan account is an important link for banks to approve loans, which can help banks understand the actual situation of lenders, judge the credit status of lenders and help banks determine the security of loans. The contents of the loan ledger mainly include: the review of the lender's information, the lender's identity certificate, the lender's family situation, the lender's income and so on. , is an important link for banks to approve loans.
Loan account is an important link for banks to approve loans, which can help banks understand the actual situation of lenders and help them determine the security of loans. The contents of the loan ledger mainly include: the review of the lender's information, the lender's identity certificate, the lender's family situation, the lender's income and so on. , is an important link for banks to approve loans. The loan account can help the bank to judge the credit status of the lender and the security of the loan, and it is an important link for the bank to approve the loan.
What do you mean by non-performing loans?
Bad loans refer to loans overdue or extended for more than 3 years, which are included in the loan collection management and confirmed as bad debts according to the prescribed conditions, but have not been approved and are ready to be written off. In short, it's a long-term unpaid loan.
Non-performing loans are different from overdue elimination of credit cards. After paying off the non-performing loans, it is necessary to cancel the account, so that the bad credit record will be eliminated, otherwise it is basically impossible for individuals to conduct credit behavior through formal financial institutions. Reminder, non-performing loan records seriously affect personal credit information. After applying for a loan, you must repay it on time, and you must never be overdue, let alone form bad debts.
What do you mean by bank non-performing loans?
Refers to the accounts receivable that have passed the repayment period, can not be recovered after collection, and are in a sluggish state for a long time, which may become bad debts.
The borrower and guarantor are declared bankrupt, closed, dissolved or revoked according to law, and their legal person qualifications are terminated. Creditor's rights that cannot be recovered after financial enterprises recover from borrowers and guarantors.
After the borrower dies or is declared missing or dead, in accordance with the provisions of General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC), the financial enterprise shall pay off its property or inheritance according to law and recover the creditor's rights that cannot be recovered after the guarantor.
Creditor's rights that cannot be recovered after the borrower suffers huge losses due to major natural disasters or accidents, fails to obtain insurance compensation, or is really unable to repay part or all of the debts after insurance compensation, and the financial enterprise has paid off its property and recovered from the guarantor.
Extended data
Handling methods of bad debts in banks
1, two special cases:
(1) Bad debts caused by "overpayment". For example, if you owe * * a bank credit card 8999, and you repay 9000 yuan, you will pay one yuan more, and if you don't withdraw it for a long time, it will also cause bad debts. How to deal with it? Return the overpaid money and cancel the account.
(2) The bad debts caused by the "annual card fee" are relatively simple to handle, and the account can be cancelled after the arrears are paid off. In both cases, banks will generally take active measures to deal with bad debts.
2. General bad debt treatment:
Because bad debts are paid off in time (be careful not to pay a penny more) and the account must be closed, so the account must be closed. If you don't close the account? Will bad debts follow the letter? So this is different from the general credit card overdue processing method.
After closing your account, you will find that some banks will update your account quickly and even classify your account as overdue. But some banks are very bad, even if they close their accounts, they are still bad debts. The handling method has been negotiated many times, and there is really no way to handle the objection.
Resources Baidu Encyclopedia-Bad debts
What do you mean by bank bad debts?
Bad debts refer to accounts receivable that have passed the repayment period, can not be recovered after collection, and are in a sluggish state for a long time, which may become bad debts. Bad debts are the result of not settling accounts in time, and also refer to the finance that can't be collected because the other party doesn't pay back.
Extended data:
Conditions for writing off bad debts of banks:
First, commercial banks must draw bad debt reserves according to law and write off bad debts. Only within the legal procedures and scope can commercial banks write off their bad debt reserves. The bad debt reserve drawn by commercial banks is used to make up for the following losses of commercial banks:
(1) Loans that the borrower and guarantor have been declared bankrupt according to law, but cannot be repaid after repayment.
(2) The borrower dies, or is declared missing or dead in accordance with the provisions of the General Principles of the Civil Law, and fails to pay off the loan after paying off his property or inheritance.
(3) Due to major natural disasters or accidents, the borrower is really unable to repay part or all of the loan, or the loan that cannot be repaid after being paid off with insurance compensation.
(4) Overdue loan projects approved by the State Council.
Two, the write-off of bad debts should implement the grading examination and approval system, strictly fulfill the examination and approval procedures, and write off bad debts in a timely manner. Foreign exchange loans should draw corresponding RMB bad debt reserves, and should not draw cash. In case of bad debt loss of foreign exchange loans, after approval, you can apply for foreign exchange purchase to offset the loss of foreign exchange loans.
Baidu encyclopedia-bad debt reserve
What do you mean by bad debts?
Bad debts refer to those that have passed the repayment period, can't be recovered after collection, are in a sluggish state for a long time, and may become bad debts. Refers to accounts receivable that cannot be settled in time, and also refers to finance that cannot be collected because the other party does not return it.
The so-called bad debts refer to loans that cannot be recovered after careful verification, including loans that cannot be repaid after liquidation because the borrower is declared bankrupt according to law; Loans that cannot be repaid with the borrower's property or inheritance after his death or being declared dead; Loans that the borrower suffers from catastrophic natural disasters or accidents, resulting in huge losses that cannot be repaid even with insurance compensation; Loan commercial banks and joint-stock commercial banks that have approved write-off projects in the State Council generally implement a four-level loan classification system.
The four-level loan classification system divides loans into normal, overdue, sluggish and bad debts, and the last three categories, namely "one loan exceeds two loans", are collectively referred to as non-performing loans. This is a classification method serving the fiscal and taxation policies under the planned economy system. The standard for defining non-performing assets is the term: overdue loan principal and interest 1.80 days or more, loan interest has been sluggish for three years, the lender has fled or the non-performing loan has been approved by the State Council. Write-off of bad debts must be approved by the competent financial department. Write-off of bad debts is regarded as abandonment of creditor's rights, and only ordinary bad debt reserve (65438+ 0% of total loans) is required. General bad debt provision is only related to the total amount of loans and cannot reflect the real loss of loans.