The pre-lending investigation of personal business loans should be based on field investigation. The pre-lending investigation of personal loans should be based on on-the-spot investigation, supplemented by indirect investigation, and adopt ways and methods such as on-the-spot verification, telephone inquiry and information consultation.
What are the main loan surveys?
The loan investigation includes the following contents: the basic situation of the borrower; The income of the borrower; The purpose of the loan; The repayment source, repayment ability and repayment method of the borrower; And the guarantor's willingness to guarantee, ability to guarantee or the value and liquidity of collateral.
legal ground
Article 14 of the Interim Measures for the Administration of Personal Loans
The loan investigation includes but is not limited to the following contents:
(1) Basic information of the borrower;
(2) The income of the borrower;
(3) the purpose of the loan;
(4) The source, ability and method of repayment of the borrower;
(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.
Article 15
The loan investigation should be based on on-the-spot investigation, supplemented by indirect investigation, and adopt ways and methods such as on-the-spot verification, telephone inquiry and information consultation.
Farmers' loan investigation adheres to the principle of two-person investigation. What is the main thing?
The pre-lending investigation of credit business adheres to the principles of double-person investigation, on-the-spot investigation and true reflection.
1. The principle of double-person investigation means that at least two credit business personnel participate in the investigation of each credit asset business and sign clear opinions in the investigation report.
2. The principle of on-the-spot inspection means that credit business personnel must conduct on-the-spot investigations on loan applicants, guarantors and collaterals by means of discussion and auditing, verify the authenticity of information and financial statements provided by applicants and guarantors, and conduct on-the-spot inspections on the management, asset distribution and current situation of applicants and guarantors.
3. The principle of true reflection means that credit business personnel must seek truth from facts, truly reflect what they have learned in the pre-loan investigation, and do not avoid risk points.
What should the pre-loan investigation of personal loans focus on?
1. On-site investigation: on-site talk (business development ideas, internal management) and on-site investigation (production, products, accounts, fixed assets and surrounding conditions).
2. Search survey: Search survey refers to the survey of searching for valuable information through various media. These media include: magazines, books, periodicals, online materials, official records, etc. Search and investigation should pay attention to the authority, reliability and comprehensiveness of information channels.
3. Entrustment investigation: Entrustment investigation can be conducted through intermediaries or banks' own networks.
4. Other methods: Business personnel can obtain valuable information by contacting the affiliated enterprises, competitors or individuals of customers, and can also know the real situation of customers through industry associations and government functional management departments.
Extended data
Precautions:
1. Pre-loan investigation preparation. Generally speaking, it is recommended to have a relatively comprehensive and detailed understanding of customers before starting a pre-loan investigation of borrowers. It is extremely important to make full preparations for pre-loan investigation, rather than simply putting risk control on one to one and a half hours of on-site investigation.
2. In the process of pre-loan investigation, we must pay attention to sorting out the investigation ideas, grasp the key points of pre-loan investigation, and always focus on the main line of investigation. Always keep in mind the balance sheet and income statement, restore customer statements, and don't blindly rely on accounting statements provided by enterprises.
3. The written information is false confession. Ask the customer to provide information. If the opportunity is good, try to collect it locally. If it was not good at that time, try to find the next opportunity according to the situation and try to avoid falling into an embarrassing situation.