Today, service is emphasized as an important means to enhance competitiveness, expand income and maintain customer relations. Influenced by the traditional business philosophy and thinking mode, a few grass-roots banks of the Agricultural Development Bank paid insufficient attention to post-lending services, failed to strictly fulfill their promises to customers before lending, or "borrowed once and returned once", and failed to grasp, study and solve the financial needs put forward by customers to banks in time.
First, the test conclusion is qualitative and simplified. For example, the inspection conclusions of "loan purpose" and "guarantee ability" are normal, good and implemented according to regulations. Second, the content of regular inspection after loan is formatted and the inspection scope is narrow. Third, some grass-roots banks put the column of "Borrower's Confirmation Opinion" on the post-loan checklist, and let the enterprise financial personnel stamp the loan when it is issued. Four, the inspection report content is simple, except for some financial indicators have changed, the other content is the same. Fifth, the core work of post-loan management is to do a good job of post-loan inspection, reveal the possible risks after loan issuance, and study preventive and resolving measures.