1. Short-term and long-term loans: these are mainly loans handled through formal procedures.
2. Other receivables and other payables: here, we mainly look at whether there is a large amount of import and export, and there is no substantive business relationship with the company. Mainly to hide the subjects of private financing.
3. Pay attention to other current accounts, such as long-term accounts receivable and accounts payable.
The most important thing is that business is money that comes and goes with the real business of the company. If not, we should consider this issue.
Second, in the process of loan issuance, strictly examine the authenticity of the transaction background, focus on the use of loan funds, and prevent loan funds from directly or indirectly flowing into high-risk enterprises such as microfinance companies, pawn companies, guarantee companies or real estate companies, and prevent loan funds from directly or indirectly entering the field of private financing.
Third, banks can take advantage of their network coverage to collect relevant private financing lists by communicating with customers who have obtained large sums of money in a short time due to demolition and other reasons; You can collect relevant private financing lists by communicating with third-party institutions such as guarantee companies and accounting firms;
The list of private financing enterprises can be obtained through channels such as the government, competent departments and industry associations; It can also be investigated by relevant third parties such as upstream and downstream customers of enterprises. It should be pointed out that the list obtained by the external investigation is not scientific and needs to be removed from the false and retained from the true.
Extended data:
From the survey, private lending is a traditional private financing method, which mainly has two forms:
The first is private lending in the form of mutual assistance. This kind of loan is relatively small in scale and common in rural areas, but it involves a large area, ranging from several hundred yuan to several thousand yuan and ten thousand yuan. The financing subjects are mainly natural persons or farmers, and the relationship between borrowers and lenders is relatively close. Generally, it is borrowed from relatives and friends, mainly to meet the urgent needs of short-term life and have a certain source of expected repayment. This kind of loan is mostly verbally agreed, with no interest paid or very low interest, and there is no clear repayment period.
The second is "high interest lending", which is the main form of private lending and is mainly used for the production turnover needs of individual and private enterprises. The loan period is long or short, and the interest rate generally depends on the loan interest rate level of financial institutions and the supply and demand of funds in the same period, season and region. It is more prominent in areas where coal, iron and coke production are concentrated and aquaculture, planting and commodity circulation are developed.
Baidu encyclopedia-civil financing