Conduct a systematic investigation on the guarantee, etc. The loan review is to provide the audit department with the relevant information and investigation report of the borrower's application for a loan after a detailed pre-loan investigation by the loan investigator, and then ...
Second, what does the bank credit department do?
As the name implies, the credit department of a bank is the department that manages credit. Its task is to strive for corporate deposits, review and issue corporate loans. Employees in the credit department are generally called loan officers or project managers. Each bank has a different name, and each person is responsible for several enterprises (or units). They should be familiar with the operation and financial situation of the enterprise and master the use of enterprise loans. If you practice, the loan officer is the teacher. He (she) will teach you to understand the financial statements of the enterprise, analyze the operation and financial situation of the enterprise, and go to the enterprise to understand the real situation of the enterprise on the spot. Loan officers spend most of their time running outside instead of sitting in the office, requiring them to have strong public relations and analytical skills and be good at dealing with people.
The ratio of boys to girls is not specified, but mainly depends on ability. The credit department is the key department for banks to obtain profits, and it requires higher personnel. As for the internship time, it should be going to work, that is, Monday to Friday.
3. What are the contents of credit investigation in the credit business of commercial banks?
Credit is the borrowing behavior between different owners that reflects a certain economic relationship. It is a special form of value movement on the condition of repayment. It is a credit activity in which creditors lend money and debtors repay and pay certain interest on time. (Gaining income by transferring the right to use funds) Characteristics of credit funds: 1, repayment; 2. The meaning of spreading credit is threefold: 1, efficiency (goal) 2, and safety (condition) 3. Basic basis of liquidity (basic) loan: five elements of efficiency, liquidity and safety loan: amount, method, purpose, term and interest rate amount: the amount that the borrower applies to a financial institution for use and is issued by the lender. Loan method: 1: secured loan (most commonly used) mortgage, guarantee, pledge (pay attention to guarantee ≠ guarantee) A secured loan is a loan in which the borrower or a third party takes the property as the creditor's right guarantee and does not transfer it. Bank short-term credit market refers to the place where banks and other financial institutions handle short-term credit business for customers. Short-term loans from banks to industrial and commercial enterprises mainly solve the seasonal and temporary short-term liquidity needs of enterprises. Therefore, banks pay more attention to the safety of funds when providing short-term credit, thus reducing risks. In order to ensure that the loan can be recovered on time, we should pay special attention to the customer's credit standing, financial status (including debt status) and the use of the money before issuing the loan, and control the loan amount according to these conditions. Short-term credit of banks mainly depends on credit. Borrowers do not need to pay collateral, and borrowers and borrowers generally do not sign loan agreements. The transaction can be made by telephone or telex, and the procedure is very simple. The interest rate of short-term credit varies according to the loan term. In the international money market, the interest payment of Eurodollar short-term credit is discounted, that is, the bank has deducted interest from the loan when borrowing, and then pays the balance after deducting interest to the borrower; When the loan expires, the borrower shall repay it according to the loan amount. This way of paying interest in advance increases the cost of the borrower, thus making the real interest rate of the loan higher than the nominal interest rate.
4. What are the contents of credit investigation in the credit business of commercial banks?
Credit is the borrowing behavior between different owners that reflects a certain economic relationship. It is a special form of value movement on the condition of repayment. It is a credit activity in which creditors lend money and debtors repay and pay certain interest on time. (Earn income by transferring the right to use funds)
Characteristics of credit funds: 1, repayment; 2. Diffusion
The meaning of credit
Three characteristics: 1, efficiency (target)
2. Safety (conditions)
3. Liquidity (basic)
The basis of loan: efficiency, liquidity and safety.
Five elements of loan: amount, method, purpose, term and interest rate.
Amount:
The amount applied by the borrower to the financial institution and issued by the lender.
Loan method:
1: secured loan (most commonly used)
Mortgage, guarantee and pledge (pay attention to guarantee ≠ guarantee)
Mortgage-secured loan is a loan issued by the borrower or the third party with the property as the guarantee of creditor's rights without transferring the ownership of the property.
Bank short-term credit market refers to the place where banks and other financial institutions handle short-term credit business for customers. Short-term loans from banks to industrial and commercial enterprises mainly solve the seasonal and temporary short-term liquidity needs of enterprises. Therefore, banks pay more attention to the safety of funds when providing short-term credit, thus reducing risks. In order to ensure that the loan can be recovered on time, we should pay special attention to the customer's credit standing, financial status (including debt status) and the use of the money before issuing the loan, and control the loan amount according to these conditions.
Short-term credit of banks mainly depends on credit. Borrowers do not need to pay collateral, and borrowers and borrowers generally do not sign loan agreements. The transaction can be made by telephone or telex, and the procedure is very simple.
The interest rate of short-term credit varies according to the loan term. In the international money market, the interest payment of Eurodollar short-term credit is discounted, that is, the bank has deducted interest from the loan when borrowing, and then pays the balance after deducting interest to the borrower; When the loan expires, the borrower shall repay it according to the loan amount. This way of paying interest in advance increases the cost of the borrower, thus making the real interest rate of the loan higher than the nominal interest rate.