1. How to effectively control overdue loans
To effectively control overdue loans, simply speaking, the following three points need to be done:
1. Pre-loan investigation< /p>
The basic contents of the pre-loan investigation mainly include:
(1) Basic situation: mainly the borrower’s loan subject qualifications and whether the basic conditions meet the requirements.
(2) Business conditions: mainly the borrower’s production, sales, profitability and development prospects in recent years.
(3) Financial status: mainly the current status and changes of the borrower's assets and liabilities, capital structure, profitability, cash flow, etc. in recent years.
(4) Credit status: mainly refers to whether the borrower has defaulted on the principal and interest of the loan owed to the financial institution and has a bad credit record.
(5) Operator quality: mainly the knowledge, experience, performance, moral character and management capabilities of the legal representative and main leadership.
(6) Guarantee situation: mainly the ownership, value and ease of realization of the mortgage (pledge), and the guarantor’s qualifications and ability to guarantee.
2. Loan review
1. The main contents of the review include:
(1) Whether the borrower’s subject qualifications are legal and whether he has assumed civil liability ability.
(2) Whether the borrower meets the basic conditions for the loan.
(3) Whether the borrower’s production and operation, financial status, credit standing, development prospects and internal management are in good condition.
(4) Whether the purpose of the loan is in compliance with regulations, and whether the amount, term, and interest rate are in compliance.
(5) The authenticity of the official seal of the legal person, the seal of the legal representative or authorized agent, and the signature sample.
(6) Review of the reliability of the mortgage (pledge) or the qualification and ability of the guarantor.
2. Loan approval
On the basis of loan investigation and review opinions, approval will be carried out according to the authorized authority to decide whether to lend or not, whether to lend more or less, as well as the loan method, term and interest rate.
3. Post-loan inspection
1. Establish loan ledger and loan business management files
2. Main contents of post-loan inspection
< p>(1) Regularly inspect the borrower's production and operation status, credit status, debt repayment ability and loan usage.(2) Focus on checking the use of loans, changes in debt solvency and performance of loan contracts.
(3) Check the current status and value changes of the mortgage (pledge) and the changes in the guarantor’s solvency.
3. Post-loan management
(1) One week before the loan is due, a notice (telephone reminder) must be issued to the borrower to remind the borrower to repay the loan.
(2) If the loan is overdue, written reminder notices must be sent to the borrower every month and a receipt must be obtained.
(3) If the loan is overdue for more than three months, the loan must be collected from the borrower in accordance with the law.
2. How to avoid overdue loan repayment. Methods to prevent overdue loan repayment
After applying for a loan, an enterprise or individual should pay off the loan within the specified period as soon as possible to avoid overdue loans. Repayment. So, how to avoid late loan repayments? Kabaobao teaches you how to prevent overdue loan repayments.
How to avoid late loan repayments?
First, when signing a loan contract, read the terms clearly. First of all, you need to check when the monthly repayment date is, and then you need to clearly remember the monthly repayment amount so that you are aware of the repayment. Secondly, you should also read carefully about the penalty interest terms and understand the penalty interest calculation clearly. The fee method is within a reasonable range, is it?
Second, link the bank card for automatic repayment. Many bank cards have automatic repayment functions. You can link your salary card and let the system automatically deduct the payment. At the same time, the repayment time should not be rushed to the repayment date, but can be appropriately advanced 2-3 days. This can avoid transfer delays and cause the loan to be overdue.
Third, if you really don’t have the money to repay, you can apply for a loan extension. Banks are not cold-blooded institutions. If you really have difficulty repaying your loan, you can actively contact the bank one month in advance and apply for a loan extension. This will not only resolve the immediate problem, but also avoid high penalty rates. The worst thing you can do is to ignore or ignore it. In the end, you will be the unlucky one.
In addition, what should I do if I find that the loan is overdue? Don't panic at this time. If it is within 1-3 days, you can call the bank staff to explain the reason and repay the loan in time. Usually, banks will set up a "time tolerance" mechanism to help you avoid overdue payments.
The above three methods are all ways to prevent overdue loan repayments. I hope Kabaobao’s summary can help everyone. Overdue loans will have adverse consequences and will also have a negative impact on bank credit. Dear borrowers, One should repay the loan on time.
3. How to control overdue loans
To effectively control overdue loans, simply speaking, you need to do the following three things:
1. Pre-loan investigation
p>The basic contents of the pre-loan investigation mainly include:
(1) Basic situation: mainly the borrower’s qualifications as a loan subject and whether the basic conditions meet the requirements.
(2) Business conditions: mainly the borrower’s production, sales, profitability and development prospects in recent years.
(3) Financial status: mainly the current status and changes of the borrower's assets and liabilities, capital structure, profitability, cash flow, etc. in recent years.
(4) Credit status: mainly refers to whether the borrower has defaulted on the principal and interest of the loan owed to the financial institution and has a bad credit record.
(5) Operator quality: mainly the knowledge, experience, performance, moral character and management capabilities of the legal representative and main leadership.
(6) Guarantee situation: mainly the ownership, value and ease of realization of the mortgage (pledge), and the guarantor’s qualifications and ability to guarantee.
2. Loan review
1. The main contents of the review include:
(1) Whether the borrower’s subject qualifications are legal and whether he has assumed civil liability ability.
(2) Whether the borrower meets the basic conditions for the loan.
(3) Whether the borrower’s production and operation, financial status, credit standing, development prospects and internal management are in good condition.
(4) Whether the purpose of the loan is in compliance with regulations, and whether the amount, term, and interest rate are in compliance.
(5) The authenticity of the official seal of the legal person, the seal of the legal representative or authorized agent, and the signature sample.
(6) Review of the reliability of the mortgage (pledge) or the qualification and ability of the guarantor.
2. Loan approval
On the basis of loan investigation and review opinions, approval will be carried out according to the authorized authority to decide whether to lend or not, whether to lend more or less, as well as the loan method, term and interest rate.
3. Post-loan inspection
1. Establish loan ledger and loan business management files
2. Main contents of post-loan inspection
< p>(1) Regularly inspect the borrower's production and operation status, credit status, debt repayment ability and loan usage.(2) Focus on checking the use of loans, changes in debt solvency and performance of loan contracts.
(3) Check the current status and value changes of the mortgage (pledge) and the changes in the guarantor’s solvency.
3. Post-loan management
(1) One week before the loan expires, a notice (telephone reminder) must be issued to the borrower to remind the borrower of loan repayment.
(2) If the loan is overdue, written reminder notices must be sent to the borrower every month and a receipt must be obtained.
(3) If the loan is overdue for more than three months, the loan must be collected from the borrower in accordance with the law.