1. Principle of respecting facts: Post-loan inspection must respect facts and be based on objective and accurate data and information to ensure the authenticity and credibility of inspection results. Don't make subjective assumptions or false statements, so as not to misjudge and cause adverse consequences.
2. The principle of taking the overall situation into consideration: Post-loan inspection is not only an inspection of a single enterprise, but also a risk monitoring of the whole industry. Therefore, in the process of inspection, it is necessary to consider and analyze from both macro and micro levels in order to take the overall situation into account and prevent local risks from spreading to the overall situation.
3. Dynamic management principle: As the market environment and the operating conditions of individual enterprises are constantly changing, the post-loan inspection needs to be carried out dynamically to track and reflect the latest situation of enterprises in time. For the existing problems, we need to take timely measures to correct them to ensure that the risks are controllable.
4. Principle of independent inspection: Post-loan inspection should be conducted by departments or institutions independent of loan approval and issuance to ensure the fairness and objectivity of inspection results. At the same time, detailed post-loan inspection procedures and norms should be formulated to ensure that the inspection is carried out in an orderly manner.
The purpose of post-loan inspection:
1. Timely detection of risks: Through post-lending inspection, banks can timely detect the borrower's abnormal or deteriorating operating and financial conditions, as well as the decline in the value of collateral. These risks may lead to the borrower's failure to repay the loan on time, so timely detection and taking corresponding measures can reduce the possibility of loan losses.
2. Ensure loan safety: Post-loan inspection is one of the important means to ensure the safety of bank loans. Through regular or irregular inspections, banks can know the borrower's willingness and ability to repay in time, as well as the changes in the value of collateral and pledge. For loans with potential risks, banks can take measures such as early recovery and increasing guarantees to ensure the safety of loans.
3. Improve the level of risk management: Post-loan inspection is not only aimed at a single loan, but at the overall risk management of the bank. Through the inspection and analysis of different industries, different regions and different loan types, banks can find their own problems and deficiencies in risk management, and then take improvement measures to improve the overall risk management level.