2 by the lending institutions on-the-spot investigation, through the examination and approval.

3. Sign a loan contract with the lender, and the bank will lend money as agreed.

4. Post-loan management

After the loan is issued, the account manager must follow

The provisions of the "post-lending management measures", the post-lending inspection.

Check, discover and expose risks in time and take precautions.

Measures to guarantee credit assets

Safe. Account manager in accordance with the "rural credit cooperatives"

Detailed rules for the implementation of credit asset risk classification,

After the loan is issued, it is classified by month and analyzed by quarter, and

At that time, dynamically adjust the risk classification of loans. visitor

The householder found the risk warning signal in the post-loan inspection.

After that, report the risk warning to the Risk Warning Compliance Department in a timely manner.

The alarm signal processing table shall be organized and convened by the Risk Early Warning and Compliance Department.

Hold a loan risk early warning meeting, and according to the risk process

Degree, solving difficulty and processing progress constitute processing significance.

It can be seen that the Head Office and the sub-branches have taken risk mitigation measures respectively.

Stone.

5, due to recover the normal maturity of the credit business, the account manager

Fill in the "overdue loan reminder notice", or take

Other effective ways, timely notify customers and urge them.

Take it. When a customer deposits funds into a deduction account, the customer

The manager shall promptly notify the front desk teller to deduct money.

Interest, to ensure the timely recovery of funds. For overdue credit industry

Service, the account manager reports to the department head or general manager in time.

The person in charge of the bank, and fill in "overdue for more than 7 days"

The loan collection notice, to fulfill the guarantee responsibility.

Notice ",respectively, notify the borrower and the guarantor,

To the mortgagor or pledger of mortgage or pledged loan.

Notice on Disposing of Collateral or Pledged Property

Notice ",sent to the customer and the guarantor respectively.

Line set. For the formation and demand of non-performing loans

Loans recovered through litigation should be handed over to the risk in time.

Asset management department, responsible for asset preservation.