Interpretation of individual nuclear loans
One-by-one nuclear loan is the most commonly used accounting method for commercial banks to issue loans. At present, credit loans, secured loans and mortgage loans issued by commercial banks in China mostly use the loan accounting method of checking loans one by one.
The process of checking loans one by one is as follows: when the borrower applies for a loan from the bank according to the loan plan, he fills in the loan voucher, affixes the bank's reserved seal on the receipt, and submits it to the accounting department for transfer after approval by the credit department.
Credit loan explanation
Credit loan refers to a loan issued only by virtue of the credit of the payer. Its characteristic is that the borrower does not need to provide collateral or third-party guarantee, but obtains the loan based on the reputation in long-term contact with the bank.
Advantages of credit loans
The advantage of credit loan is that the loan procedure is simple, and you don't need to find a guarantor or collateral, just sign a loan contract directly, but the disadvantage is high risk and high interest rate.
Credit loan application process
The credit loan application process mainly includes the following five steps:
1. To apply for a credit loan, the borrower needs to bring the loan raw materials to the bank to submit an application and fill out the loan application form.
2. Credit loan review: The bank reviews the borrower's personal credit records and other original materials.
3. Credit evaluation of credit loans. The overall qualification of the borrower includes personal credit record and social credit.
4. The credit loan has been signed. After approval, the borrower signs a loan contract with the bank, and the bank will give the borrower a loan amount.
5. For the next payment of the credit loan, after obtaining the loan amount, clearly apply to the bank for payment, and finally issue it to the borrower's bank card in the form of transfer.