According to the regulations, the loan software accessing the credit information system needs to send the user's loan records, repayment records and overdue records to the central bank's credit information system within T+ 1.
In case of holidays and non-working days, it can be postponed appropriately.
According to the actual situation, most lending institutions can only promise users a grace period of three days at most.
In other words, if there is a grace period specified by the lender, it can be overdue for up to three days, otherwise the lender's overdue record will be sent to the credit information system.
If the lender's overdue records are recorded in the credit information system, it will affect the lender's future economic activities.
If the lender wants to continue to apply for a loan on the software, it may become that the comprehensive score is insufficient and it is impossible to apply.
If you want to apply for a loan in a bank, you may become a high-risk customer, the loan amount will be reduced and the loan interest rate will be increased.
Extended data:
"Three natures" refer to safety, liquidity and efficiency, which are the basic principles of commercial banks' loan operation. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period of time or realize it quickly without loss of land, so as to meet the demand of customers for withdrawing deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if long-term loans are issued, the interest rate will be higher than short-term loans, and the benefits will be good. However, if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken.
Therefore, the "three natures" should be harmonious, and the loan can be without problems.
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, which led to credit risk.
Loan review is a meticulous work, which requires investigators to systematically investigate and investigate the qualifications, qualifications, credit and property status of loan subjects.
(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents without due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.
(3) Many wrong judgments are caused by banks not listening to experts' opinions on relevant contents, or by professionals making professional judgments.
In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts in legal and financial aspects. In practice, most loan review processes are not very strict and in place.