Pre-credit line generally refers to the maximum loan line authorized by a commercial bank to a specific user, but this pre-credit line is not the final loan line, and users need to submit relevant application materials to meet the requirements of the bank before making loans. If the requirements of the bank are not met, the loan amount will be reduced or the bank will refuse to lend. Users are generally required to submit personal valid identity information, bank cards, work certificates, bank accounts, etc. When banks apply for loans, they should also make sure that their personal credit information is good. If the personal credit is not good, the bank will refuse the loan. It should be noted that bad credit information cannot be changed. Users should consult different banks when handling loans, so that they can know which bank has low loan interest rate and which bank meets the requirements. When handling loans, banks should also decide the loan amount according to their own income, so as to avoid being unable to repay on time after the loan amount is too large. When handling loans, users can choose different repayment methods such as matching principal and interest, average capital, interest priority and one-time repayment of principal and interest. General banks will provide repayment methods, users can choose according to their own actual situation, and can repay in advance after handling loans.
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.
(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.