Post-loan inspection is a follow-up investigation and inspection of the borrower's execution of the loan contract and the use effect of the loan after the loan is issued. The main contents include: whether to use the loan according to the purpose agreed in the loan contract; Whether the loan can receive the expected benefits; Whether the production, supply, sales and market conditions of the enterprise have changed unexpectedly; ? Whether the liquidity of the enterprise is intact; Whether the collateral is intact.

Post-loan inspection is post-loan supervision, which is interrelated and complementary with pre-loan investigation and post-loan review, and plays an important role in loan quality management.

1, which is conducive to finding early warning signals in time and taking corresponding remedial measures to prevent and resolve credit risks. On the one hand, through post-loan inspection, banks can find the problems that threaten the safety of credit assets as soon as possible and take active and effective measures to solve them. ?

On the other hand, in the case that many banks have loans to the same borrower, which bank has done a good post-loan inspection and found the problem early. You can take the lead in avoiding risks, avoid risks to the maximum extent or reduce losses.

2. It is conducive to the correct value orientation of customers and ensures that banks can pass comprehensive post-loan inspection management for their future credit support banks. It can comprehensively judge the future development trend of credit customers and analyze the development value of customers to banking business, which is beneficial to banks.

3, is conducive to promoting the borrower to improve management, improve economic efficiency, to ensure the safety of bank credit funds. Once the bank loan is issued, the right to use the funds will be transferred to the borrower and put into project construction or production and operation.

4. Help banks to find problems and weak links in their own operation, approval and management, and urge banks to take measures to improve their management level, such as problems not found in pre-lending investigation and risk points ignored in audit decision-making, so as to help banks correct and improve their credit management in the future and continuously improve their management level.