Pre-loan investigation project

Pre-lending investigation is the top priority of all lending departments such as banks, small loans and P2P.

In the final analysis, it is two things: maximizing the symmetry of asymmetric information and maximizing the true reduction of soft information. The former solves the problem of customers' repayment ability, while the latter solves the problem of repayment willingness.

1, focusing on financial information and solving the problem of repayment ability.

2. Information asymmetry refers to the differences in the understanding of relevant information between the two parties to the transaction; The party with sufficient information is often in a favorable position, while the party with poor information is at a disadvantage.

3. Anyone cheated or cheated is the result of information asymmetry.

4. Typical is the second-hand car transaction.

There is always information asymmetry between our lender and our customer, because they don't need to know other information about us, as long as they know that we have the money to lend him this information.

And we should know all the information about him as much as possible.

7. The fundamental reason for the information asymmetry between us and our customers is the imperfection of the credit information system caused by decades of government inaction.

8. We are engaged in capital business. What is capitalism?

9. Collateral has never been the best choice for loans, and it is best to rely on customers' income to repay.

10, because good collateral is in the bank, and we will always be secondary.

1 1, land, houses and vehicles. Can't be an asset company.

12, enterprises often have three sets of account books, and we want the most authentic ones.

13, the exception is a demon.

14, a lie is the beginning of deception.

15, there are many practical methods.

16, it is best to look at the customer's manual account set, such as aquatic products and aquaculture.

17, through circumstantial evidence, such as how much carbon is used in kebabs, how many saw blades are used in stone, and others, such as employee commission, utilities, etc.

18, customers often say that they made a lot of money in the first three years. Where did they spend it? Trained pigs, etc.

19, compared with other industries, neighbors.

20. Look at the future development trend.

Mainly non-financial information, which solves the problem of repayment willingness. Soft information can not be expressed by precise hard indicators, but informal, fuzzy, inferred and perceptual. To put it bluntly, it is impossible to express clearly and accurately.

Zhang San has a good character, but Li Si has a bad character. To what extent? But everyone knows soft information.

Soft information is very important for understanding customers' willingness to repay.

1, age and family, property, and business history.

2. Family and parents, lovers, brothers and sisters and children.

3. Whether the business premises match, corporate culture, business philosophy, business environment, employee status, etc.

4, transportation, raising pigs to drive Mercedes-Benz, small loans to open bread.

5, manners, hobbies, friends circle and so on.

6. Evaluation of upstream and downstream customers, employees and friends.

(A) accurate positioning

One is risk, the other is risk, and the third is risk. If the risk is out of control, the faster you run, the faster you die. Walking slowly, living is our fundamental purpose.

Principle 1: Avoid risks.

Risk is an uncertain risk factor.

Risk is our enemy and our friend.

Don't take risks, rely on judgment, rely on defense, rely on evasion, and rely on interception to prevent.

Don't be afraid of risks, use means, professionalism, will and methods to deal with them.

What is the relationship between risk and return?

High returns must be high risks, and high risks are not necessarily high returns.

Low income must be low risk, and low risk is not necessarily low income.

Conventionally, high interest rate-high income-high risk.

Different interest rates will automatically choose different customers.

The ultimate goal of risk positioning is zero risk.

Zero risk is virtual and impossible to achieve.

Principle 2: Find the right position.

1, gap finance.

2. Grassroots finance.

3. Subprime finance.

Principle 3: Ensure cash flow.

1, avoid short-term loans and long-term investments.

2. Avoid structural and systemic risks.

Principle 4: Highlight the characteristics.

Small loan customers are often "short, small, frequent and urgent", and make their own products according to these characteristics.

Principle 5: Table Scale

Principle 6: Simple Marketing

Principle 7: Easy to master.

Principle 8: Convenient factory.

(2) Standard process

Create a "credit factory for assembly line operation",

In order to be reproducible,

In order to expand the scale,

For sustainable development.

The boss is the only one who can avoid the survival of the company.

To avoid the management of human feelings and humanity, it is necessary to manage the system.

For example:

Three stability: family, residence, income, work.

Three products: personality, products, collateral.

Three meters: water meter, electric meter and payroll.

(1) Post-loan management

Post-loan management refers to the process of loan issuance until it is fully recovered. This is not only an effective payment process, but also a good marketing opportunities.

The essence of post-loan management is not to let customers disappear from your sight.

As long as the enterprise does not go bankrupt, customers will not disappear and loans will not be completely lost.

People prone to bankruptcy:

1, a person with strong communication skills.

2. People who are good at dealing with the government and banks.

3. People who especially want to be famous.

4. Good-looking people.

5. People with many titles.

6. Diversified development, especially for people with many unrelated industries.

People who are not easy to go bankrupt:

1, a relatively plain person.

2. People under the control of their wives.

3. People who work and rest regularly.

4. Timid people.

5. People who are afraid of being famous.

6. People who are specific to enterprises and products.

Early warning signal of loan enterprise crisis;

1, the boss doesn't answer the phone, including not answering other people's phones.

2. Abnormal salary payment.

3. Inventory continues to decline and liquidity is in short supply.

4, continuous arrears of utilities, communication fees.

5. The account funds are hungry.

6. The loan was not used for the enterprise.

7. All the land, houses and assets that can be mortgaged are mortgaged.

8. The boss's abnormal consumption and abnormal transfer of funds.

9. Sudden decrease of employees, change or resignation of core personnel, etc.

(2) Overdue collection

Overdue collection is the last, key and important part of the whole loan activity. Because only the money recovered is the money earned.

First, the willingness to repay becomes worse, and then the ability to repay becomes worse.

Classification:

1. The repayment willingness and repayment ability are good, but due to special reasons, the repayment cannot be made on time. -give understanding and avoid it in the future. Occasionally, not often.

2. Good repayment will and poor repayment ability. Such as natural disasters and man-made disasters. -adjust the plan and pay more attention.

3. Have no willingness to repay, and have the ability to repay. This kind of person is a malicious evasion of debts. Focus on the attack and never be soft. Malicious, even if it is to purify the social atmosphere and purify the market, we must resolutely crack down.

4. There is no willingness to repay and no ability to repay. Start the internal audit first to see if there is any moral hazard of internal and external collusion among your business personnel. Take comprehensive measures to save as much as possible.

Subjectivity, our personnel are not afraid of bad business or bad products, and they can adjust. I'm afraid there will be moral hazard in this. If we don't deal with it decisively, the consequences will be endless.

Specific measures for overdue collection

1, we must not use violence to collect debts.

2. Speed is the best expression of attitude.

A firm will is the most important thing.

4. Professionalism, specialization and no feelings.

5. There are many people. One person is saying that many people are watching, causing psychological pressure on each other and staring at the same place. The raised hand scares the other person more than the lowered hand.

6. Actively create an atmosphere. I can't find myself on purpose.

7. Take as much as you want to show your will and determination.

8. Implement complete and necessary procedures.

9. Don't take a sip of water firmly.

10, principal+interest+penalty+reminder, add up.