1. In order to strengthen and standardize the risk management of corporate customers (hereinafter referred to as customers) of Agricultural Bank of China (hereinafter referred to as ABC) and improve the level of credit management and financial services, according to the Interim Measures of the People's Bank of China for the Administration of Authorized Credit of Commercial Banks, the Guidelines for Commercial Banks to Implement a Unified Credit System (for Trial Implementation), the Due Diligence Guidelines for Commercial Banks' Credit Work of China Banking Regulatory Commission and the Risk Management of Customer Credit Business of Commercial Banks,
2. The term "corporate customer credit management" as mentioned in these Measures refers to the credit management system of Agricultural Bank of China, which approves the credit line for individual corporate customers and group customers, handles the credit business within the line, and centrally controls the credit risk of customers. Credit management includes credit line management and credit business management.
3. The credit management of Agricultural Bank of China must follow the principles of strict credit granting, adapting to market competition, approving loans first, and dynamic management.
4. The credit line shall be denominated in RMB or convertible foreign currency.
5. The theoretical value of credit line refers to the maximum risk limit that Agricultural Bank of China is willing and able to bear to customers according to formula calculation method or guarantee calculation method.
6. Credit line refers to the limit approved by Agricultural Bank of China for handling various credit businesses for customers within the theoretical value of customer credit line, taking into account factors such as customer's management level, industry, development stage, actual credit demand and repayment ability. The credit line belongs to the commercial secret of Agricultural Bank of China and shall not be made public in principle. If disclosure is really necessary, it shall be approved by the president of tier-one branch or the president of customer department, or an agreement shall be signed as required.
7. Credit business refers to all kinds of off-balance-sheet and off-balance-sheet credit business provided by Agricultural Bank of China under the credit line, including local and foreign currency loans, international trade financing, bill acceptance, etc.
Basic principles of credit management in credit factories
1. Principle of legality
2. The principle of good faith
3. Unified credit principle
For a single customer or region, various forms of credit granting on and off the balance sheet and unified comprehensive credit in local and foreign currencies, the maximum comprehensive credit line is determined and centralized and unified control is implemented.
4. Unified delegation principle
What are the responsibilities and contents of corporate credit and personal credit in banks?
What are the responsibilities and contents of corporate credit and personal credit in banks?
At present, loan officers of commercial banks are generally called corporate/corporate account managers, and personal loan officers are called personal business/private account managers.
According to the western banking theory, the account manager refers to the customer relationship manager, who mainly maintains the customer relationship, but generally assumes the responsibility of credit/credit management in China.
The credit/credit management of account managers mainly includes the marketing of credit customers, the application of credit line, customer investigation and credit analysis, and guarantee investigation and analysis. The use of credit line is the operation of loans and other businesses, including contract negotiation and signing, mortgage handling, guarantee verification, monitoring the use of loan funds, continuous tracking of customer operations, and handling of problem loans.
Please note that credit/credit management is only an important part of the account manager's work. The account manager is also responsible for maintaining customers, absorbing deposits, increasing local and foreign currency settlement, and undertaking temporary sales tasks of various cards and funds.
In fact, the professional background of the account manager is not strictly limited. Generally, we should look for college students who have graduated from economic or other positions and have grassroots/counter experience, as well as college students majoring in science and engineering such as law, chemical engineering and machinery, because the customers of banks come from various industries.
What are the duties of loan officers in Taizhou Bank?
After entering TZB, loan officers will be divided into microfinance or account managers. Small loans are mainly lending. The account manager mainly pulls deposits. To sum up, customers will need loans if they have deposits.
What are the responsibilities and contents of the bank lobby leaders?
I wonder if you are talking about the position of lobby manager. The lobby manager will generally promote some wealth management products, such as funds and insurance, and will also organize the lobby environment, such as organizing publicity and bank statements. Of course, when there are many people at the counter, it will also help maintain order.
Different bank lobby managers have different jobs, depending on the division of labor.
Bank personal credit problem
The current banking system is very sound and strict, and there will not be as many black-box operations as before. Now the transparency of bank credit is still very high. As far as my personal loan experience is concerned, all my concerns can basically be learned at the bank counter.
What are the personal credit conditions of the bank? What is the personal credit limit?
Those who apply for housing loans through China Merchants Bank must comply with the local housing purchase policy, and the age plus loan period shall not exceed 70. At the same time, you must provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation.
When applying for a personal loan at China Merchants Bank, the actual "loan interest rate" you can apply for is comprehensively priced according to the business type, personal solvency, credit status, guarantee method and other factors, and can only be determined after approval by the handling outlets. If you want to know the current benchmark loan interest rate, please go to the home page of China Merchants Bank and click "Loan Interest Rate" on the right.
If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. Information such as the execution interest rate, amount, loan term and repayment method of your specific loan application need to be verified by the handling bank after you apply for the loan, and can only be determined after the loan is approved.
Please dial 95555 to choose 3 people to serve -3-3-8 to enter the manual service to provide loan purpose and city details.
What's the difference between corporate personal loans and personal credit and direct bank loans?
When applying for a loan, the materials that the lender needs to prepare are divided into the following categories:
1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide proof of stable income source: bank flow sheet, labor contract, etc.
3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;
4. Other information stipulated by the bank.
Personal credit problem
There are two options. One is that if you go back to work now and your salary card is issued, you can apply for a credit loan in a credit company, and the problem of 6.5438+0.5 million is not big; Another way is to go home and find a few decent people to guarantee you a loan at the credit union.
Recommend postal savings to you according to your personal situation.
Refers to the small loan issued by the Postal Savings Office to a single borrower.
Farmers refer to loans granted to farmers to meet their capital needs for agricultural planting, breeding or other production and business activities related to rural economic development.
To apply for a farmer's loan, you need to meet the following conditions:
1. Farmers or rural self-employed households who are healthy, have the ability of labor production and management, and can abide by their credit;
2, engaged in agricultural related business activities, urban individuals with stable business premises.
3. The applicant must be married.
The maximum loan for farmers is 50,000 yuan, and the maximum loan for merchants is 654.38+10,000 yuan (the amount is higher in some areas, please consult the local branch of Postal Savings Bank for details). The minimum amount of a single loan is 1000 yuan, with 100 yuan as the floating unit.
Langfang credit Langfang personal credit Langfang enterprise credit Langfang unsecured credit Dongfa credit can be unsecured credit guarantee?
Yes, you can consult the company staff for specific matters.