1. The bank withdraws from the loan collection;

2. Reduce the loan amount;

3. If there is no subjective reason, and effective measures can be taken to solve the problem and get the bank's approval, there should be no bad consequences, but in most cases, customers who are warned are likely to face the first two results.

Extended information:

During the validity period of credit business, risk control members can conduct post-lending inspection on credit customers through regular or irregular monitoring, on-site and off-site inspection, and the combination of explicit inspection and unannounced visits, and make quantitative analysis on the collected information to identify the types, degrees, causes and changing trends of risks, reveal major loan risks, curb potential risks, and make targeted treatment suggestions at an early stage, so as to achieve early detection.

Check the following items:

1. Whether the loan is used according to the original purpose; Whether the loan principal and interest can be recovered on time; Whether the loan is effective. Need an early warning notice to remind you to correct.

2. The credit information system of the People's Bank of China inquires about credit records; Whether to be blacklisted; Changes in liabilities. Need to follow up.

3. Changes in the ownership of collateral; Control state; Changes in value. If there are risks, it is necessary to add additional guarantees and adjust the guarantee (pledge, mortgage, third-party guarantee)

4. Operation and contract implementation; Manage the purchase, sale and storage of commodities; Major personnel and business disputes; Changes in financial personnel and financial status; Benefit change; Changes in cash flow; Payment of taxes and fees; Sustainable management ability; National policy impact. If there are risks, it is necessary to change the loan contract or collect the loan in advance and terminate the loan contract.

5. The borrower's asset-liability ratio has increased for two consecutive months, and it has increased by more than 1 percentage points compared with the beginning of the year; The total profit decreased for three consecutive months; There are illegal business operations or economic and legal disputes; If you are punished by law enforcement departments, you need to apply for the seizure and freezing of bank accounts, bank cards and personal assets.

6. Inspection period The first follow-up inspection shall be conducted within 1 working days after the credit business occurs. An on-site key inspection shall be conducted one month before the expiration of each credit business.

7. The customer is overdue for special reasons. For example, if the customer is not back on business trip in other places, it will be overdue for several days. Need to wait for customers to come back, strengthen communication, ask customers to deposit the monthly repayment amount in advance if they go out, and help customers manage the loan repayment well.

8. There is a problem with the customer's repayment ability. If there is a problem with the customer's repayment ability, we should first understand and evaluate its existing assets and liabilities, and on this basis, predict the borrower's future profit. If the borrower can gradually recover its repayment ability after a period of time, we can adjust the repayment plan and repayment method according to the borrower's future capital withdrawal, and finally recover the creditor's rights.

9. If the customer has no repayment intention or the repayment intention deteriorates, refer to the overdue treatment process and deal with the customer according to the specifications. In this case, as a lender, if it feels that the borrower's willingness to repay has gone wrong, no matter whether its repayment ability is sufficient or insufficient, the lender should take measures to recover it as soon as possible. A simple truth is that since the borrower's willingness to repay has gone wrong, he wants to "default" or "delay" the loan. In this case, if the lender does not take measures in time, the borrower will try to use various means to collect debts.

1. The customer has neither the willingness to repay nor the ability to repay

Refer to the overdue treatment process, handle the customer according to the specifications, start the internal audit, and check the analysis and approval of the loan.