1. I am a bank employee, dealing with loan problems, and a rural customer borrows from me ...
If you are a credit card holder of our bank, it is suggested to increase the credit card limit or apply for e-loan;
For example, the maximum loan amount of "E-Loan" is 3, yuan, and the minimum loan amount is 1 yuan; Your specific limit will be verified according to your business situation in our bank, and you can check it after your application is successful.
log in to the handheld life client-"Card Finance"-"I want to borrow money" to apply here. Please refer to the audit results.
second, what is an offline credit customer?
Credit extension refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee for the compensation and payment liabilities that customers may incur in relevant economic activities, including on-balance-sheet businesses such as loans, trade financing, bill financing, financial leasing, overdraft and various advances, as well as bill acceptance, letter of credit issuance, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, asset sales with recourse, etc. Simply put, credit extension refers to the behavior that banks directly provide financial support to customers or guarantee the credit of customers in relevant economic activities to third parties.
credit is divided into short-term credit and medium-and long-term credit according to the term. Short-term credit refers to credit within one year (including one year), and medium-and long-term credit refers to credit for more than one year.
offline credit customers refer to customers who apply for a credit line to the handling bank in the traditional offline way. After the credit line is approved and the account is issued, the specific business is initiated by the customers themselves through the corporate online banking channel, and the loan is realized after the approval is completed in the corporate credit system.
it is mainly applicable to high-quality corporate customers who have settled transactions, deposited more funds and made greater comprehensive contributions.
3. I am from Tun Town, Wang Hao, Mudan District, Heze. I need a loan of 5, yuan to buy a computer, and I will pay it back in three months. What do I need to submit for the loan? A loan from a rural credit cooperative.
this should be mortgaged. You don't need to find a bank for 5 yuan, do you? It's almost enough for relatives and friends to borrow some from each other. If you really want to make credit loans and guarantee loans in agriculture, and you want to register as a natural person with good reputation and full capacity for civil conduct, but the amount is relatively trustworthy, first, you should prepare your own marital status certificate, your ID card and household registration book from the relevant departments, and then go to the credit union to find a loan officer to apply for a loan. The loan officer will conduct a pre-loan survey to find out whether a person is a permanent resident in the region. Income, expenditure, loan purpose, loan amount, past personal credit record, family situation, etc. If he thinks you meet the conditions of credit loan for small farmers, then he will handle the loan for you. Guaranteed loans are different, such as guaranteed loans for households, mortgage loans for farmers, and guarantees for workers and staff, but there are several others that are basically not used. I personally suggest not to handle this loan, because after such a loan is handled, you will not only have to bear the debts in your own name, but also be prone to problems. Mortgage loan means that you can borrow from relatives and friends if you don't have the right to dispose of it, but private houses are distributed in proportion to the value of collateral. For example, if your collateral is worth 5, yuan, the loan that credit cooperatives agree to give you can't exceed 25, in general, and the procedures are relatively complicated and the additional fees are high. It is the way to use your own or borrowed passbook or share capital to get the credit cooperatives as collateral. The advantage of this kind of loan is to do too many pre-loan investigations. However, if you can borrow a passbook, you should also be able to borrow money. A worker's guaranteed loan is a loan issued with capital as a guarantee, but the prerequisite is that it can be guaranteed, and the qualified people should be government workers and employees of some institutions. This kind of loan is faster to run than mortgage and pledge, and the additional cost is not high. As long as the loan officer can confirm that the guarantor is qualified to guarantee, he will handle the loan for you. Another is that both the pledgor and the guarantor should prepare the ID card household registration book, and for both husband and wife, all the above-mentioned people must be present at the office.
IV. Summary of Bank Credit Post Work
Model essay on Bank Credit Post Work (6 general articles)
A period of work has come to an end unconsciously. Looking back on this period, our work ability and experience have grown, and it is time to sum up our past achievements in the work summary. So, have you mastered the format of work summary? The following is a summary model essay (6 general articles) for bank credit jobs that I have compiled for you, for reference only. Welcome to read it.
summary of bank credit post. In the past 11 years, under the correct leadership of the credit union, I have been the director of the credit union, mainly doing a good job in credit management, specifically in the following aspects:
First, improving the comprehensive quality of credit personnel and effectively avoiding credit risks.
to prevent and resolve non-performing loans, the quality of employees is the key, especially a high-quality credit management team is needed. First, we should strengthen the professional ethics education of credit personnel, improve their sense of responsibility and professionalism, and make the prevention of credit asset risks become the conscious action of credit personnel, so as to achieve the purpose of preventing moral risks of credit managers. Second, we should strengthen the professional quality training for credit officers. Credit managers need to have and master a variety of knowledge, not only to be proficient in credit business, familiar with loan operation procedures, but also to master the financial knowledge of enterprises, etc. The existing professional quality of credit managers is far from meeting the needs of business development. We should use various methods to conduct business training and examination for credit managers to prevent the risks brought by poor ability of credit managers. Third, it is necessary to urge the loan officers to grasp all laws and regulations in time, especially some basic laws and regulations closely related to the quality of credit assets, such as the Commercial Bank Law, the General Principles of Loans, the Guarantee Law, the Bankruptcy Law and the Civil Procedure Law. Mastering and using legal weapons is an urgent requirement of the times for credit personnel.
second, according to the actual situation, formulate a management mechanism with rewards and punishments and equal rights and responsibilities.
according to the actual situation of the credit union, and with the consent of the credit union, the management mechanism of "three guarantees and one hanging" was timely introduced for the credit staff of the credit union, and an appropriate proportion of the interest income was taken as the income commission of the credit staff, which significantly increased the reward and recognition for those who made meritorious contributions in lending, collecting loans and collecting interest, widened the income gap of the credit staff and improved their work enthusiasm. At the same time, clear the warning point of responsibility loans, and when the non-performing loans in the credit personnel's responsibility loans exceed a certain amount, resolutely change from the credit post or even the post of the person in charge to prevent the loan quality from continuing to deteriorate and the non-performing loans from continuing to increase due to personal reasons. Through one year's practice, the expected results have been achieved. The non-performing loans of the whole society have decreased by 52, yuan compared with the beginning of the year, and the recovery rate of loan interest has reached 1% for the first time. The annual income of credit personnel is about 5, yuan higher than that of ordinary employees, which can be said to be a win-win situation for both the collective and the individual.
third, make clear the credit responsibilities of all links and posts, and prevent the responsibilities from hanging and unrealistic concentration.
For each loan, especially for large loans, the responsibility ratio of investigators, members of secondary decision-making bodies and post-loan managers should be clearly defined, which will not only put an end to the unrealistic practice of focusing the responsibility on investigators, but also prevent the phenomenon of "collective collection", so as to truly make the loan responsibility settled and ensure that all posts and personnel in all links can fulfill their duties and take their responsibilities. Non-credit post personnel do not have relevant business skills in credit management, and should not be responsible for loans. Loans introduced, guaranteed and even undertaken by internal employees are treated equally with other loans, and are reviewed in strict accordance with regulations, and the responsibility for collection should also be borne by credit post personnel.
Fourth, strengthen reasonable incentives for loan officers and standardize their work process.
Maintain a relatively stable team of loan officers, so that they have enough time to familiarize themselves with various situations, and provide smooth communication channels for loan officers and listen to their opinions and suggestions.
5. control the working process of credit officers.
The key point is to standardize and order the work process of credit personnel, improve the various elements of loan contracts, make them legal and compliant, and put an end to eating, taking, getting stuck and demanding in the credit process. The training is targeted. In addition to giving lectures on laws and regulations to the credit officers, the credit cooperatives also conduct special studies according to different situations. Through training, the work skills of the credit officers, their understanding and recognition of the management regulations of rural credit cooperatives, their loyalty to the credit cooperatives and their confidence are effectively improved. Classified incentives, survival of the fittest. Instead of "one size fits all", we should formulate corresponding incentive measures according to the actual situation and create a competitive atmosphere in which you chase after me. Anyone who is not competent for credit work or can't complete the task will be removed from the credit post by the last elimination system.
sixth, strictly invest the loan: lending is not excessive.
It is required that the loan officer "must put every loan accurately" as a criterion of credit work. Therefore, my business orientation is: based on "agriculture, rural areas and farmers", serving urban and rural areas, acting as a lever to achieve "win-win". First, focus on promoting micro-credit for farmers. Second, efforts should be made to support rural economic restructuring.
VII. Strictly implement the system.
In practical work, the system of "pre-loan investigation" and "post-loan return visit" is strictly implemented. Every quarter, I make a spot check on the loan operation of the loan households, and every time I make a record. Through the return visit after the loan, I know the loan situation of the whole society like the back of my hand, and recover the risky loans in advance in time.
VIII. Deal with the "three relationships"
First, the relationship between credit risk and asset utilization. The income of credit cooperatives' loan business comes from the difference between capital cost and loan interest, so I will deal with the relationship between credit risk and asset utilization of credit cooperatives as a priority.
the second is the relationship between loan marketing and strict management. At present, when increasing effective credit input, the occurrence of new non-performing loans is strictly controlled. Grasp the loan investment, and make good use of the credit increment, put an end to the phenomenon of illegal loans and "large households" and block the source of non-performing loans. And earnestly implement the "three checks" system of loans, strengthen credit supervision and management, strictly approve the loan system and operating procedures, and standardize credit behavior. At the same time, all credit officers are required to reasonably determine the loan term according to the characteristics of "agriculture, countryside and farmers" and the actual needs of enterprises and farmers' production and operation, and shall not arbitrarily extend or shorten it, truly reflecting the loan occupation pattern.
the third is the relationship between accountability and incentive policies. Establish a reasonable incentive and restraint mechanism, punish those who cause loan losses, and reward those who make correct decisions and bring good economic results. Effectively improve the assessment methods of punishing loan officers only for not rewarding, and severely punishing and lightly rewarding in credit management, and mobilize the enthusiasm of loan officers in issuing, managing and recovering loans.
bank credit job summary 2 time has passed quietly, and I have been working for almost three months. As a micro-credit officer of rural credit cooperatives, I have a lot of feelings. I would like to talk about my thoughts and thoughts on my business work. First of all, let me talk about my personal work attitude. This job is my first job after graduating from college, so I regard it as a treasure. From training to work, I often hear many people say that this job is too hard, too tiring and the rural environment is too bad. However, for me who was born in the countryside, it is actually a trivial matter. Some people say that the salary is too low, but my vision is not so superficial. I see the future stage instead of the current treatment. Now I really like this job, because here I can see the value and dream of realizing my life.
in the course of my work, I found that this job is not as simple and easy as lending money and collecting money, but requires us to learn a lot. For example, if you do something, you will always have experience and lessons. In order to facilitate the future work, it is necessary to analyze, study, summarize and concentrate the experience and lessons of the past work, and rise to the theoretical level to understand.
First, we should learn to judge people.
Because we are doing credit loans, if you make a mistake in the first step, I'm afraid it will be difficult to achieve your expected results no matter how many good words you say when collecting loans in the future. The people who are most afraid of collecting money are those who are rich but unwilling to pay back, not those who really have no money and can't pay back.
second, we should learn to cultivate and retain customers.
We are in business, and customers are our gods, so how can we catch our gods? First, the principle of loan risk control
Third, we should learn to manage
We have more customers. If you don't have good management skills, then your problems will come, and they will bother you and make you depressed. First of all, you have to learn to allocate your time reasonably so that you can work better. Although your time depends on the borrowers, and there are many borrowers, you can't satisfy all the borrowers, so we have to learn how to manage our own lenders well. Another thing, you must learn to manage accounts, because the financial business we do involves money, and people are most serious about money. We can't be careless and careless. We should carefully manage our bills and be responsible for the lenders, the credit cooperatives and, above all, ourselves.
Fourth, we should learn to be
extremely uplifting, so that the credit union is my home, and going to the credit union is as happy as returning to our warm and harmonious home. In the face of customers, we should do our own job better, show our excellent service attitude and professional quality, and make the borrowers feel like family. Also, we should learn to pay a return visit to our customers from time to time. Our business is not finished with loans, but with loans, so we should keep good contact with lenders, have their latest harvest information and their ideological trends, so that we will not be passive. If we do these jobs well, I believe that the business volume will go up in a straight line and the recovery rate will be 1% in the future.
Fifth, professional knowledge, working ability and specific work in the future
1. Under the guidance of the leaders, the working procedure and direction were clarified, the working ability was improved, and a clear working idea was formed in the specific work. After working as a micro-credit officer, I feel deeply responsible for my business. As the window of the company, my words and deeds also represent the image of the company, so I should improve my own quality, set high standards for myself and strengthen my professional knowledge and skills.
2. Do the specific work assigned by the leaders and team leaders of your club seriously, on time and efficiently. In order to carry out the work smoothly and coordinate with the credit cooperatives, we should actively cooperate with other colleagues in the credit cooperatives in addition to doing our own jobs.
3. Work attitude and diligence. Love your job, be able to treat every detail of the job correctly and seriously, serve farmers enthusiastically, observe labor discipline seriously, ensure attendance on time, and stick to your post.
Summarized the work in the past three months. Although there has been some progress, there are still some shortcomings in many aspects. For example, there are not many creative work ideas, individual work is not perfect enough, and business customer information is too little, which needs to be improved in the future work. In the days to come, I will study the policies and regulations carefully and try my best to make my work effective.