Post-loan management may occur as long as any credit business is handled. Credit business not only refers to loans, but also includes our commonly used credit cards.

So, if there is post-loan management even though there is no loan, it must be because you have applied for a credit card.

From the date of credit card account opening to the date of credit card cancellation, banks also conduct post-loan management from time to time to understand the cardholder's credit, solvency, liabilities, etc.

Under what circumstances will it be subject to post-loan management?

After applying for a credit card, the bank’s post-loan management time is not certain. In addition to routine risk checks every few months, some card usage behaviors of cardholders will also require the bank to conduct post-loan management. of.

For example, when raising a credit card limit or applying for installment, some banks require a credit check. The reason for the inquiry is post-loan management. In addition, if the cardholder has abnormal card usage behavior, such as frequent incoming and outgoing transactions, or having someone else repay the loan, etc., if the risk is detected by the system, the bank will conduct post-loan management to understand the cardholder's current credit status.

What is the impact?

Post-loan management is a neutral inquiry and will not have any impact.

However, there are also some cardholders who have had their credit cards reduced or blocked after the bank managed the loan. This cannot be blamed on the post-loan management, but the bank found out that the cardholder had borrowed money during the post-loan management. Only when the risk is high will measures be taken to stop losses.

The factors that determine bank loan interest are:

1. Bank costs. Any economic activity requires cost-benefit comparison. There are two types of bank costs: borrowing costs - prepaid interest on borrowed funds; additional costs - expenses incurred in normal business.

2. Average profit rate. Interest is a subdivision of profit. Interest must be less than the profit rate. The average profit rate is the highest limit of interest.

3. The supply and demand situation of lending currency funds. If supply exceeds demand, loan interest rates will inevitably fall, and vice versa. In addition, loan interest rates must also take into account price changes, securities income factors, political factors, etc.

However, some scholars believe that the highest limit of interest rate should be the marginal rate of return of funds. The factor that constrains the interest rate is regarded as the ratio of the increase in profit of the enterprise after borrowing a bank loan to the amount of borrowing and the loan interest rate. As long as the former is not less than the latter, the company may borrow from the bank.

Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. my country's interest rates are uniformly managed by the central bank. The 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 based on the benchmark interest rate.