(1) Establish a sense of abiding by the law and improve the internal control mechanism. First, establish a sense of operating according to law, strictly implement relevant system regulations and loan access conditions, and handle every mortgage loan business in compliance. Second, the mortgage loan should implement the "face-to-face signing" system. "Face-to-face signing" means that bank staff should review the credit status of borrowers and make records of interviews with customers.
(2) Conducting due diligence and due diligence review. First, carefully examine the authenticity of the purchase contract. The second is to review the authenticity of the down payment voucher. The down payment shall be deposited into the account opened by the developer in the handling bank, and the down payment ratio of mortgage loans shall be strictly implemented. Third, account managers and examiners should understand the housing price level in the region and the housing prices of buildings of the same grade around to prevent the housing prices from being too high.
(3) Strengthen the examination of cooperative real estate and check the source. For the mortgaged real estate developed by non-banks, a real estate review should be conducted, mainly to examine whether the "five certificates" of the project are complete, that is, the state-owned land use right certificate, the construction land planning permit, the construction project planning permit, the construction permit and the pre-sale permit. Through the review of the real estate, choose the compliant real estate to cooperate with the powerful developers, thus blocking the source of "fake mortgage".
(4) Select quality customers. Use the personal credit information system of the People's Bank of China to check whether the borrower has bad credit records, and judge the rationality of the borrower's current income and the impact of future industry development on the income level by reviewing the borrower's payroll, housing provident fund income certificate and tax bills, combined with information such as his age, education, occupation and working years.
(5) Strengthen mortgage (pre-) registration.
(VI) Strengthening post-loan management. First, strengthen the regular inspection of mortgage cooperative buildings (developers), analyze their operating financial status, credit status and mortgage implementation, and evaluate their guarantee ability. The second is to strengthen the collection of overdue loans. When the borrower is overdue for 30 consecutive days, the account manager shall send a written reminder to the customer within 5 working days. When the borrower fails to repay the principal and interest on schedule for six consecutive periods, it shall dispose of the collateral according to law. Third, strengthen the management of mortgage loan margin account to ensure the implementation of developers' phased guarantee and repurchase responsibilities. Fourth, strengthen post-loan monitoring and analysis, such as analyzing that one person buys multiple properties, or the same unit buys the same property; Multiple borrowers concentrate on handling loans on the same day or within a few days; At the time of repayment, multiple borrowers make contributions in a centralized way, and the signature on the certificate of deposit is the same person; Multiple borrowers in the same building default at the same time, and the default period is the same or similar; The price of mortgaged real estate is obviously higher than that of surrounding or similar grade real estate, and the characteristics of suspected "false mortgage" are investigated.