Surrender requires the following materials: application for termination of contract; Insurance contract; Legal identity certificate of the insured. There are two kinds of surrender: hesitation surrender: hesitation surrender refers to the insured surrendering within the hesitation period agreed in the contract.
General insurance companies stipulate that ten days after the insured receives the policy is the hesitation period. Usually, the insurance company will refund all premiums after deducting the production cost. Normal handover: insurance surrender beyond the hesitation period is regarded as normal surrender. Generally speaking, a policy that has received insurance money cannot apply for surrender. Normal surrender generally requires the insured to submit an application for termination after the policy expires for a certain number of years, and the life insurance company shall refund the cash value of the policy within 30 days from the date of receiving the application. The cash value of a policy refers to the amount that can be returned when the life insurance contract is terminated or surrendered.
1. loan (electronic receipt credit loan) is simply and generally understood as a loan that needs interest. Loan is a kind of credit activity. Banks or other financial institutions that lend money at a certain interest rate must return it. Loans in a broad sense refer to loans, discounts, overdrafts and other loan funds. Banks issue centralized money and monetary funds through loans to meet the needs of society for expanding supplementary funds for reproduction and promote economic development. At the same time, banks can also obtain loan interest income from it and increase their own accumulation.
2. The emergence of loan risk usually begins at the stage of loan review. As can be seen from the disputes in the comprehensive judicial practice, the risks in the loan review stage are mainly manifested in the following links. Omission of audit contents, bank loan auditors listed 6,543,800+0,000, and omission of 6,543,800+0,000, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically check and investigate the qualifications, qualifications, credit and property status of loan subjects.
In practice, some commercial banks do not have due diligence, and the relevant loan examiners often only pay attention to the identification of documents and lack due diligence. This makes it difficult to identify fraud in loans and easily leads to credit risk.
Many misjudgments are caused by banks not listening to experts' opinions on relevant contents or professional judgments of professionals. In the process of reviewing loans, we should not only find out the facts, but also make professional judgments on relevant legal and financial facts. In practice, most loan review processes are not very strict and in place.
3. The legal content of the last investigation. To examine the legal status of the borrower for its legal establishment and continuous and effective existence. If it is an enterprise, it should examine whether the borrower is established according to law, whether it has the qualifications and qualifications to engage in related business, and check the business license and qualification certificate, and pay attention to whether the relevant license has passed the annual inspection or related verification.
Regarding the credit standing of the borrower, check whether the registered capital of the borrower is consistent with the loan; Check whether there is obvious evasion of registered capital; Past loans and repayments; And the borrower's product quality, environmental protection, taxation, etc. There is no illegal situation that may affect repayment. Regarding the borrower's loan situation, whether the borrower has opened a basic account in accordance with relevant laws and regulations.