Case course
case analysis
Personal business loan refers to the RMB-guaranteed loan issued by the lender to the borrower for the turnover of funds needed for the borrower's legitimate business activities under the premise of the normal operation of the enterprise and the true purpose of the loan. In this case, another enterprise invested by the enterprise as a legal person is involved in the case, and whether it involves the enterprise supported by the loan remains to be investigated; The transaction object of the loan purpose is the affiliated enterprise, and it is even more necessary for commercial banks to investigate whether the enterprise is operating normally and whether it is suspected of taking bank loans. In order to ensure the safety of the bank's credit funds, the credit approval center finally rejected the application for re-withdrawal. Because personal business loans mainly consider the production and business activities of enterprises, the main source of repayment is the operating income of enterprises. In the case of overall economic slowdown, it will have a far-reaching impact on various industries.
Case enlightenment
(1) Pay attention to the new characteristics of personal loan business development under the new situation and ensure the steady development of personal credit business.
Due to the different industries and modes of operation, the situation of personal loan customers is very different, and the similarity is very low. Many situations have never appeared in the previous business, thus increasing the concealment of personal loan business risks and the complexity of loan investigation. It takes a long time for personal revolving loans to be withdrawn again. During this period, the changes in business conditions of enterprises need to be re-investigated by credit managers to avoid the influence of previous investigation experience, which puts forward higher risk awareness requirements for credit personnel working in the front line. Grasp the environment of economic development, screen customers under the background of economic downturn, and carefully analyze whether the current domestic economic situation has an impact on enterprise operation to ensure the steady development of personal credit business.
(2) Pay attention to due diligence and control the loan risk from the source.
Loan investigators should conscientiously perform their duties as loan investigators to ensure the authenticity, timeliness and effectiveness of loan information. The second withdrawal of personal revolving loan should be regarded as the attitude of issuing new loans to collect and sort out information and re-examine whether loans should be issued. In this case, if the credit manager can carefully review all the information, he will find the above risk points. It is suggested that front-line personnel should put an end to the behavior of emphasizing form over substance in loan investigation and approval, grasp market changes in time, accumulate experience in various aspects, improve their own quality and improve the timeliness and effectiveness of personal business loan investigation. Only in this way can they strengthen their ability to identify and judge various risks.
(3) Accumulate experience, establish case comparison system, and improve personal business risk prevention and control ability.
Investigators need to constantly improve their professional quality, pay attention to accumulating typical cases from daily work and establish a typical case comparison system, which can improve the practicability and approval efficiency of policies, accumulate experience and update business knowledge in time, thus avoiding the occurrence of loan risks more effectively and promoting the steady development of personal loan business. In practical work, we should be good at accumulating experience in all aspects and use the knowledge we have learned to observe, think and analyze new problems in the development of personal business loans under the new situation; Starting from the details, the problems found are carefully analyzed and judged, and implemented, so as to prevent problems before they happen and ensure the safety of our loans.