Not necessarily, it depends on the staffing level. If you sign a formal labor contract, you are a regular employee, otherwise you are a non-staff employee. There are also non-staff employees for credit officers. However, the account managers responsible for the bank's credit business are all regular employees, and labor employment is usually assigned to relatively simple positions that do not pose risks to the bank, such as the direct sales team of the credit card center, form entry, lobby greeting and other positions.

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1. What does a bank loan officer do?

A bank loan officer is a person in the bank who verifies whether the information provided by the lender is true and meets the requirements for the loan. Conditions of staff. Bank loan officers are mainly responsible for investigating the economic strength and development potential of loan companies and individuals, and providing loan business consultation, loan product introduction and other related services to lenders.

2. Credit

Credit refers to the form of value movement conditional on repayment and interest payment. Usually includes credit activities such as bank deposits and loans. In a narrow sense, it only refers to bank loans. In a broad sense, it is the same as "credit". Credit is an important form of paid mobilization and allocation of funds in socialist countries and a powerful lever for economic development.

3. Is credit usury?

No, credit is not usury. Credit refers to credit loans, which are provided by financial institutions that comply with national laws to borrowers whose credit status meets their conditions. The loans issued are recognized by the state. However, loan sharking refers to some private institutions or individuals extending loans to others at extremely high interest rates that exceed normal levels. This is illegal lending and constitutes a crime.

4. Is the credit company reliable?

① Check whether it has a license. Under normal circumstances, reliable small loan companies will hang their business licenses and loan operating licenses in conspicuous places in the company. In addition, reliable microfinance companies can check their certification status online. If you find that a microfinance company does not have a license, it must be unreliable.

② Whether the fees are open and transparent. Generally speaking, reliable microfinance companies will clarify various loan fees, and the annualized rate will be within 36%. If a microfinance company deliberately conceals its fees, then this company is unreliable.

③Look at the shareholders. The stronger the shareholders behind a microfinance company, the higher its reliability. If the shareholders of a small loan company are central enterprises, large state-owned enterprises, or companies with high social reputation, then the small loan company is relatively reliable.

5. How many years can the loan be borrowed?

①The term of short-term loans for individuals is mainly 1 year or within 1 year, among which the loan term of 3-6 months is Temporary loan;

②The period of medium-term loans for individuals is within 1-5 years, which does not include loan services with a loan period of 1 year, but includes loan services with 5 years;

< p>③The term of long-term loans for individuals is more than 5 years, and does not include 5 years.