1. It's best to explain the specific process and time to the customer in advance, so that the customer can know fairly well and have a time expectation. At the same time, we should explain to customers that financing approval needs a process, not a personal matter, but we can try our best to run the formalities; We also do some fixed transactions and materials in advance to save time. Of course, if the customer is in a hurry, the loan officer should be very careful, because enterprises that are in urgent need of money are likely to have holes to fill elsewhere. When answering customers' questions, we should pay attention to the image, etiquette and discretion, follow the system and regulations, and not make promises casually.

2, it is necessary to analyze the reasons why enterprises do not pay back the money, that is, business is dying, or they do not pay back the money themselves. If they don't pay back the money, they should first explain the harm of not paying back the money and the benefits of paying back the money on time. If there are problems in operation, we should urge enterprises to raise funds as soon as possible, check the funds, assets and mortgage measures, and make preparations in advance; At the same time, report to the relevant departments.

3. To judge whether a loan can be made, the first criterion is repayment ability, and the second criterion is guarantee. The repayment ability includes the basic information of the enterprise's operation, finance, credit, fund use, repayment source, risk assessment and so on. The audit and judgment here is a very complicated process, and the bank has specific operational procedures and methods. Guarantee is the second source of repayment, that is, if an enterprise cannot rely on its own business to repay, it can avoid losses by disposing of the secured assets, which are usually complete in value, clear in ownership and highly mobile.

The above is the theory. Qualified loan officers should analyze and summarize in practice. It is equally important to judge the credit of the legal representative of the enterprise and the willingness to repay. The assessment of people is a process of accumulating experience and ability.