I. Operation Flow Chart

Provide consultation-> accept application-> pre-loan investigation-> loan approval-> loan-> loan recovery-> loan management.

Two. A brief description of each link in the process

1. Provide consultation, accept applications and conduct pre-loan investigation.

(1) The consulting manager provides consulting services to clients, including the types, objects, conditions, amount, term, interest rate and repayment methods of personal credit loans.

(2) Accept the application after consultation with CCB, and the borrower shall fill in the Application Form for Personal Housing Loan of Zhejiang Branch of China Construction Bank as required to apply for the loan, and provide the following materials: mortgagor's ID card and husband-wife relationship certificate (valid certificate, borrower's income certificate, house purchase contract, down payment certificate, written certificate of guarantor's consent to guarantee and other relevant materials required by CCB).

(3) After accepting the loan application, the pre-loan investigation manager shall investigate the completeness, authenticity, validity and legality of the application form and required materials submitted by the loan applicant. Through the pre-loan investigation, it is considered that it meets the loan conditions and is ready for approval.

2. Lending approval

(1) Credit personnel of the handling bank-head of the credit department-head of the handling bank within the approval authority of the handling bank.

(2) Approval of the handling bank beyond the approval authority of the handling bank-report to the superior bank for credit approval authority. Handling personnel after investigation, in the "China Construction Bank personal housing loan approval form" to write down the situation, and the loan approval form and approval materials submitted to the person in charge of the credit department. The person in charge of the credit department shall sign the approval form and submit it to the president of the branch in charge for approval. Beyond the approval authority of the branch, the branch shall sign the opinions and report to the credit approval authority of the superior bank for approval.

Three. loan origination

Sign a contract-go through mortgage (pledge) registration, insurance, notarization and other procedures. -Fill in various vouchers after the contract comes into effect-The borrower opens a deposit account-Go through the loan transfer formalities.

(1) After signing the contract loan for approval, the handling personnel will sign relevant contracts with this contract, the borrower (borrower, mortgagor and guarantor) and the authorized signatory of China Construction Bank according to different loan purposes and loan guarantee methods.

(2) After handling mortgage registration, insurance notarization, opening a borrower's deposit account, signing a mortgage contract, receiving the collateral and other related procedures, the credit department will register the "Collateral (pledge) and Warrant Register" item by item according to the collateral (pledge), and fill in the "Collateral (pledge) of China Construction Bank" according to the value of the collateral (pledge).

(3) After the contract comes into effect, fill in various accounting vouchers.

(4) Handling the loan transfer formalities After receiving the payment notice from the credit department and checking it, the accounting department will handle the loan transfer formalities according to the relevant regulations and procedures, and the transfer will adopt one of two ways: direct payment or special transfer.

Fourth, loan recovery.

(1) entrusted deduction method: the borrower shall sign an entrusted deduction agreement with the lending bank.

(2) Counter repayment method: The borrower will hand over the cash or credit card or savings card to the counter manager for handling.

Post-loan management of intransitive verbs

(1) Daily management: tracking management, inquiry and analysis, including loan account, daily loan notice, overdue collection, post-loan inspection, inquiry and statistics, and daily custody of mortgaged (pledged) things until the loan is settled.

(2) Withdrawal of collateral: After the borrower pays off all the loan principal and interest on schedule, the credit department cancels the "Register of Mortgaged (Pledged) and Warrant", fills in the "Notice of Transfer of Mortgaged (Pledged) Property of China Construction Bank" and notifies the accounting department and the mortgaged (Pledged) storage department. After the accounting department, the custody department and the custody department have verified the correctness, they shall go through the corresponding procedures of clearing accounts and refunding fees.

(3) File management: After each loan is completed, the credit handling personnel will regularly sort out the relevant information collected, submit the original contract to the file administrator, and handle the relevant handover procedures. A copy of the contract is kept by the credit department for daily management. After the loan principal and interest are settled, the credit department will notify the archivist to formally file.