First, the members of the loan review committee can be the heads of microfinance business of tier-one branches with certain experience, post-lending management posts and microfinance business heads of microfinance institutions. As the second line of defense against loan risks, the quality of the loan review meeting will directly affect the risks in loans overdue, and it is also related to the quality of investigation and review. Therefore, the members of the loan review committee should fully grasp the information in the investigation report in advance, grasp the main risks, and make suggestions to the credit personnel on the personal basic situation of the loan applicant, the purpose of the loan, the production and operation, and ask questions about the cash flow, repayment ability and the personal credit of the operator; The loan officer should highlight the key points and truthfully answer the questions raised at the loan review meeting. A one-vote veto system will be implemented in the loan review meeting, and only when all members of the loan review meeting unanimously approve it will the lender approve it. At each loan review meeting, a special person shall be appointed to record the contents of the loan review meeting, and the questions raised by each member of the loan review meeting and the answers of the loan review personnel shall be recorded in detail, and the record form of the loan review meeting shall be filled in. There should be no "going through the motions".
Second, as the first line of defense against loan risks, the review post should pay attention to the acceptance process and be vigilant. The completeness, completeness and compliance of the application materials submitted by the applicant shall be reviewed; Whether the applicant's subject qualification meets the relevant business requirements of the bank and whether there is a bad credit record; Whether the loan purpose is in line with our credit policy and whether it is specific; Whether the loan investigation report is complete, whether the calculation of key financial indicators is accurate, whether the obtained data is cross-verified, whether the customer credit rating table is reasonable, and whether the palm reading suggestion in the investigation report is reasonable; Verify the borrower's information by phone. Whether the guarantor of the guaranteed loan understands its guarantee responsibility, and whether the team members of the jointly guaranteed loan understand its joint and several responsibilities. The unqualified business is returned to the loan officer, and the loan officer supplements the corresponding materials or refuses to lend according to the examination opinions.
Third, issue an effective written notice, claiming that the bank has collected the loan from the other party and set the loan repayment period for the other party. If the other party fails to repay the bank loan within the time limit, the bank will punish the other party according to "what" measures. Therefore, the company requires customers who are in arrears with sales to repay within a certain period of time, otherwise they will be forced to charge them extra interest. In this way, ordinary debtors can easily accept it and make them feel that the company must do so. Seize the opportunity to call for debt collection. Call the debtor when he is in the best mood, and they are more likely to cooperate with you. For example, it's best to start calling at 3:30 pm, because they are usually busy in the morning. It's a good idea to leave debtors half a day to do business, so that they have enough time to get into normal working conditions, and they are usually in a better mood when they are more relaxed in the afternoon. At this time, it is easy to accept the collection of arrears. Besides, you must avoid talking on the phone while others are eating.