Whole process management principle
The whole process of loan management emphasizes that effective credit risk management behavior runs through all links of loan life cycle. Strengthening the whole process management of loans can promote the transformation of personal loan management mode from extensive to refined, which is helpful to improve the quality of personal loans and the effectiveness of loan risk management. Credit management can not only be roughly divided into three links: pre-loan management, in-loan management and post-loan management. This division is difficult to take targeted and operational measures for specific problems in credit management, and it is difficult to effectively control the use of loans. Lenders should start from the idea of strengthening the whole process management of loans, decompose all links in the process management of loans, implement the responsibilities of each link to specific departments and posts according to the principle of effective checks and balances, and establish a clear accountability mechanism.
Principle of applying for loans in good faith
Credit application mainly includes two meanings: first, the borrower abides by the principle of honesty and trustworthiness, provides loan application materials in a specific way and content required by the lender, and promises that the materials provided are true, complete and effective; Second, the borrower should prove that his credit record is good, and the loan purpose and repayment source are clear and legal. The loan applicant should provide the lender with authentic, complete and effective loan application materials based on the principle of honesty and trustworthiness, which will help protect the lender's rights and interests from the perspective of legislation, enable the lender to identify and analyze risks more effectively, do a good job of the loan applicant, and prevent potential risks in the first stage of the loan.
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