Banks can supervise the use of loans in the following ways:
1. proxy report
At present, many loans are specially used for buying houses, cars and renovations. Money flows directly to these institutions, and borrowers do not need to pay any fees. However, these cooperative institutions will provide banks with details such as construction, decoration, activities and sales. The deposit settlement business is concentrated in banks, and banks can understand the use of funds.
2. Special account
When a unit opens a special account in a bank, it shall deposit all the pre-sale funds and project funds of real estate development projects into a deposit account to ensure that all the pre-sale funds and project funds are accounted for. After the supervision period, the bank will refund the deposit, and the bank will confiscate it if it violates the regulations.
Collect accounts
Personal loan collection bank cards are sometimes used for securities, investment and other purposes, and sometimes used for investment and wealth management of other financial institutions. Banks can be monitored by debit cards. In case of abnormal situation, the borrower is required to settle the arrears in advance, and the arrears shall not be used for other purposes.
4. Proof of use
Before the loan, some banks clearly stipulated that after the loan was successful, the use certificate must be uploaded within the specified time. If it is not provided in time, it needs to be settled in advance, which will also affect the reputation, and it will be difficult to borrow it next time.
5. The borrower signs a letter of commitment for the use of the loan.
The bank will ask the borrower to sign a letter of commitment on the purpose of the loan, and promise that the loan funds will not be used in areas other than the agreed purposes.
6. The loan funds are not paid directly to the borrower's account.
Some loan purposes can provide proof of use. For example, if the loan is used for house decoration, the bank usually requires the borrower to provide renovation contract, and the loan funds can be paid directly to the account of the decoration company. For example, housing mortgage loan, the bank will not pay the loan in cash to the buyer's account, but directly to the developer's account, thus determining the allocation. Consumer loans generally need to provide proof of consumption and use, and corporate loans generally need to provide relevant contracts. For loans that can provide proof of the purpose of the loan and the payee's account, banks will generally issue the loan to the borrower's account.
7. Post-loan management
Bank loans generally have several links: pre-loan review, in-loan review and post-loan management. Especially for enterprise loans, after the loan is issued, banks will not only investigate the operation of enterprises at any time, but also keep abreast of the use of funds after the loan is issued.
After bank loans are issued, how to supervise the normal use of loans according to the purpose of borrowing?
For commercial banks, supervision is very important after loans are issued to real estate units. Then, after the bank loan is issued, how to supervise the normal use of the loan according to the purpose of borrowing? Let me introduce the relevant content here.
Method 1: The borrower reports the situation to the bank.
The bank may require the borrower to report the situation to the bank, or it may require the other party to centralize the deposit and settlement business in the bank.
Method 2: The bank supervises the advance payment and project payment.
Banks can supervise the use of loans by supervising the advance payment and project payment. Banks can judge whether the use is consistent with the contract according to the construction contract of real estate development project and the monthly report of the actual progress of the project.
Method 3: The sales unit must fill in the corresponding form every quarter to apply.
Units selling houses shall fill in the "Detailed Statement of Revenue and Expenditure of Developer's Supervision Account" quarterly (generally before each quarter 10 days). When the bank may require the selling unit to pay the project payment as planned, it must be approved by the bank before payment can be made. Otherwise, the bank may refuse to handle relevant business.
Method 4: The sales unit must open a special account in the bank as required.
The bank may require the selling unit to open a special account in the bank, and retain all pre-sale funds and project funds through the special account. In addition, the sales unit must deposit the insurance money in the bank.
How does the supervision department stipulate the use of bank working capital loans?
In order to standardize the operating behavior of working capital loan business of banking financial institutions, strengthen the prudent management of working capital loan business, and promote the healthy development of working capital loan business, according to the Banking Supervision Law of the People's Republic of China, the Law of People's Republic of China (PRC) Commercial Bank and other relevant laws and regulations, working capital loan refers to loans issued by lenders to enterprises (institutions) or other organizations that can be used as borrowers by the state for daily production and operation.
To apply for a working capital loan, the following conditions shall be met:
1. The borrower is legally established; _
2. The purpose of the loan is clear and legal; _
Three. The production and operation of the borrower are legal and compliant; _
Four, the borrower has the ability to continue to operate, there is a legitimate source of repayment; _
5. The borrower's credit status is good and there is no significant bad credit record; _
6. Other conditions required by the lender.
The competent department of bank loans shall adopt a combination of on-site and off-site methods, and the investigation and verification shall include but not be limited to the following contents:
1. Organizational structure, corporate governance, internal control and credit standing of the legal representative and management team of the borrower; Two, the borrower's business scope, core business, production and operation, business planning and major investment plans during the loan period; 3. The industry status of the borrower; _
Four, the borrower's accounts receivable, accounts payable, inventory and other real financial conditions;
V. The borrower's total working capital requirements and existing financing liabilities; _
Related parties and related transactions of intransitive verb borrowers; _
Seven. The specific purpose of the loan and the occupation of counterparty funds related to the loan purpose; _
Eight, the source of repayment, including cash flow, comprehensive income and other legitimate income generated by production and operation; _
Nine, for secured working capital loans, it is necessary to investigate the ownership, value and difficulty of realizing the collateral, or the qualification and guarantee ability of the guarantor.
What are the regulatory provisions for the use of loan funds?
According to the relevant laws and regulations of our country, the lender should agree with the borrower on a clear and legal purpose of the loan. Working capital loans shall not be used for fixed assets, equity and other investments, and shall not be used for fields and uses prohibited by the state. The working capital loan shall not be misappropriated, and the lender shall inspect and supervise the use of the working capital loan as stipulated in the contract. Article 10 also stipulates that the CBRC shall supervise and manage the working capital loan business according to these Measures.
legal ground
Interim Measures for the Administration of Working Capital Loans Article 9 The lender shall agree with the borrower on a clear and legal purpose of the loan.
Working capital loans shall not be used for fixed assets, equity and other investments, and shall not be used for fields and uses prohibited by the state.
The working capital loan shall not be misappropriated, and the lender shall inspect and supervise the use of the working capital loan as stipulated in the contract.
This concludes the introduction of loan use supervision and the investigation of loan use supervision. I wonder if you found the information you need from it?