In fact, post-loan management inquiry refers to a kind of credit management for users after banks or financial institutions issue credit cards or loans, and check users' credit reports from time to time to ensure that personal financial status or repayment ability is normal and there is no new bad credit behavior. Under normal circumstances, the post-loan management of credit information will not bring adverse effects on personal credit information report, but bad credit behaviors such as overdue and tx or high debt will affect personal credit information report.
Among them, post-loan management mainly includes three parts: daily management, mortgage cancellation and file management. The details are as follows: Daily management: tracking management, inquiry and analysis, including loan account, daily notice of loan, overdue collection, post-loan inspection, inquiry and statistics, daily custody of mortgage/pledge until loan settlement. Pay off the mortgage: after the borrower pays off all the loan principal and interest on schedule, the credit department cancels the "Register of Mortgaged/Pledged Property and Warrant", fills in the "Notice of Transfer of Mortgaged/Pledged Property in Bank" and notifies the accounting department and the Mortgaged/Pledged Property Custody Department. After the accounting department, the custody department and the custody department have verified the correctness, they shall go through the corresponding procedures of clearing accounts and refunding fees. File management: After each loan is completed, the credit handling personnel will regularly sort out the relevant information collected, and then submit the original contract to the file manager and handle the relevant handover procedures. A copy of the contract is kept by the credit department for daily management. After the loan principal and interest are settled, the credit department will notify the archivist to formally file.