Therefore, if there is no loan and there is post-loan management, it must be because there is a credit card.
From the date of opening the credit card account to the date of closing the credit card account, the bank also conducts post-loan management from time to time to understand the credit, solvency and liabilities of the cardholder.
Under what circumstances will post-loan management be carried out?
After the credit card is issued, the post-loan management time of the bank is uncertain. In addition to routine risk investigation every few months, some card-using behaviors of cardholders will also allow banks to conduct post-loan management.
For example, like credit card withdrawal and installment, some banks need to inquire about credit information because of post-loan management. In addition, if the cardholder has abnormal card use behavior, such as frequent access, or repayment on behalf of others, and the risk is monitored by the system, the bank will conduct post-loan management to understand the cardholder's current credit status.
What's the impact?
Post-loan management is a neutral inquiry and will not have any influence.
However, there are also some cardholders whose credit cards have been reduced or blocked after bank loan management. This can't be blamed on post-loan management, but banks will take measures to stop losses when they find that the cardholder's loan risk is high in the post-loan management process.
The decisive factors of bank loan interest are:
1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.
2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.
3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on.
However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks.
Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. Interest rates in China are managed by the Central Bank. Bank loan interest rate refers to the benchmark interest rate set by the central bank, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate.