Whether to use the loan according to the purpose stipulated in the loan contract; Whether the loan can receive the expected benefits; Whether the production, supply, sales and market conditions of the enterprise have changed unexpectedly; Whether the liquidity of the enterprise is intact; Whether the collateral is intact. Post-loan inspection is post-loan supervision, which is interrelated and complementary with pre-loan investigation and post-loan review, and plays an important role in loan quality management.
Post-loan management, also called post-loan management, refers to the whole process of credit management of banks or other financial institutions from the beginning of loan issuance or other credit business to the recovery of principal and interest or the end of credit. Post-loan management is the last link of bank credit business, and it is also an important link. The main points of post-loan inspection of banks include:
1. Daily management refers to the tracking, management, inquiry and analysis of loans, including loan ledger, daily notice of loans, custody of collaterals, post-loan inspection (mainly for the purpose of funds) until the principal and interest of loans are settled.
2. After the borrower pays off the loan principal and interest on schedule, the credit department shall cancel the "Register of Collateral and Warrant", and issue written materials to the accounting department and the custody department, and the two departments shall go through the mortgage cancellation procedures after verification.
3. Document management. After handling each loan, the credit handling personnel should regularly sort out the collected information. The original and copy of the contract shall be kept by the archivist and the credit department respectively. After the loan principal and interest are recovered, all files shall be filed and kept by the file manager.
Extended data
Compared with loan review and loan approval, at present, post-loan inspection has not been implemented by special institutions and personnel, and it is basically the responsibility of credit management departments. Because the credit management department is also responsible for the basic work such as credit marketing, enterprise deposits, loan collection, interest collection, overpressure revitalization, etc., the task is heavy, and it is inevitable that the post-loan inspection work will be ignored sometimes when coordinating various work and business relations, and the corresponding manpower and material resources will not be invested, which reduces the quality of post-loan inspection work.
The training of credit practitioners on how to conduct post-loan inspection is insufficient. "People-oriented quality" and "people-oriented" are basic management concepts, especially in post-loan inspection and management, people's quality is particularly important. It requires post-loan inspectors to have a wide range of knowledge, not only to understand the national macroeconomic policies and industrial policies, but also to have certain business management knowledge and financial knowledge.
Secondly, in the face of a large amount of information obtained through investigation, post-loan inspectors should have strong comprehensive judgment and analysis ability and the ability to find risks in time, and put forward corresponding countermeasures and opinions. To enhance this ability, it is not enough to rely only on the self-improvement of credit practitioners in their work, but also to strengthen training in this area.