It is particularly important to grasp the source and see the real chapter for details, and do a good job in risk management in the whole process of credit. First, do a good job in learning the business knowledge of credit business line personnel, and build a "trinity" learning mechanism that runs through the whole business line, including "business department office management, personnel audit process and account manager process". While ensuring the integrity and self-discipline of employees in all business lines, it is required to further improve the ability to control operational processes and rules and regulations. The second is to improve the risk identification ability of the account manager, especially to correctly judge whether the borrower is honest and trustworthy, what is the prospect risk of the industry he is engaged in, and whether he can be able to repay the principal and interest after the end of the production cycle. Third, the pre-loan investigation should be practical and detailed. For new customers who apply for credit exceeding a certain limit but don't know their situation, we must conduct a detailed and in-depth pre-loan investigation so as to walk more, ask more questions and read more. Fourth, the investigation report should truly reflect the risk situation, and describe in detail why the loan is made, what the loan does, whether it still has repayment ability or a stable source of repayment, without involving any subjective elements. Fifth, the loan procedures should be perfect and compliant, and evidence should be left in the signing process to do a good job of face-to-face signing. Every conditional loan must have video materials. Sixth, it is necessary to ensure that the borrower and the guarantor fully understand all the terms of the contract and avoid disputes.
Mastering the process The production and operation of the project operated by the borrower is greatly limited by social, economic, political and even natural disasters, so it is very important to master the whole process from loan issuance to loan recovery at all times. I think we should do the following four things well.
First, ensure that the post-loan investigation is compliant and implementable, and pay special attention to the importance and necessity of the first post-loan inspection. Second, we should pay more attention to communicating with borrowers, especially those who have newly established business relations, to know the production and operation situation and ideological trends of borrowers in a timely manner, and to make timely judgments on the risk situation. Third, strengthen the management of loan interest collection. In order to strengthen the interest collection and improve the refined management level of loans, at present, the interest settlement of loans mostly adopts the method of monthly interest settlement, which requires us to increase the density and frequency of loan management and pay attention to reminding customers to settle interest on time. Fourth, loan management is based on avoiding losses. Once there is a risk, measures should be taken quickly to save it, overcome the wait-and-see mentality, and even take judicial procedures to force collection under special circumstances.
Strengthening the control of loan management results is very important for whether the loan can be completed from beginning to end and effectively increase the benefits. First, we should strengthen the pre-judgment of the handling methods after the loan expires, and make a more intuitive judgment on whether the loan can be repaid, whether it can be settled or recovered, or avoid borrowing the new and returning the old, and strengthen the pre-control of the loan. Second, whether it is returned or not, we must insist on collection before maturity, and advance the collection period from the current minimum of ten days to one month or earlier, so as to minimize the risk and better grasp the loan control ability. Third, according to whether the borrower defaults during the loan period, the credit scale should be properly regulated. For those who obviously breach the contract, according to the actual situation, stop or re-evaluate the credit line, and resolutely put an end to lax mood, leading to unnecessary risks in the future credit business.