Personal advice:
Be sure to know the relevant knowledge before lending, especially the enterprise. If there is any risk, control the risk of the loan in time. After the risk warning appears, the bank will unilaterally take measures such as stopping issuing new loans and recovering the guarantor's joint liability in advance. So what you need to pay attention to is that you must learn to protect your property in your life. If there is any illegal operation, you must surrender your insurance and stop loss in time so as not to affect your life.
Loan review should focus on risk quantification, prevention and control management. It is necessary to quantify the influence of various contents on loan risk in a risk system way, demonstrate the degree of hidden risks in loan issuance, judge whether to grant loans according to the degree of risks, and choose appropriate loan methods, so as to change the loan decision from qualitative analysis to quantitative analysis and enhance the scientific rationality of loan decision. The key is to put the system of separation of examination and loan in place and strictly implement it; The loan examination and approval should implement the responsibility system of division of labor among members, so as to ensure the in-depth and meticulous work of loan examination and enhance the accuracy and fairness of loan examination.
Extended data:
Post-loan inspection should focus on early warning and disposal management of loan risk growth.
1. To strengthen the rigidity of the post-loan follow-up inspection system, the actions, contents and quality of post-loan inspection should be in place. For banks that fail in post-loan inspection, they should resolutely cancel their right to approve new loans.
2 to timely and accurately feedback the early warning information of loan risk growth.
3. According to the early warning information of loan risk, distinguish various growth nodes of loan risk, and take appropriate ways and measures to deal with loan risk in a timely and decisive manner to improve the timeliness and effectiveness of loan risk treatment.
4, straighten out the relationship with the government, law enforcement departments, the people's Bank of China, and further improve the work effect of dissolving the risk of new loans according to law.