The President presides over the operation and management of the Bank in accordance with laws, administrative regulations, rules, the Articles of Association of the Bank and the authorization of the Board of Directors, and reports to the Board of Directors; The vice president and other senior managers shall assist the President in his work, be responsible to the President and report his work. The lender shall determine the approval authority of branches at all levels according to the business volume, management level and loan risk. Loans exceeding the approval authority shall be approved by the superior.
Credit personnel should be responsible for the management of credit business during and after the loan of the branch, and complete other tasks assigned by the superior leaders. Through the separation of examination and loan, investigation and evaluation, distribution and recovery, the responsibilities and tasks of each link are clarified. It is conducive to improving the scientificity of loan decision-making, reducing decision-making mistakes, eliminating human interference in the process of loan, and ensuring the correctness of review and decision-making links.
Legal content of pre-loan investigation
1. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established, whether it has the qualifications and qualifications to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification.
2. With regard to the borrower's credit standing, check whether the borrower's registered capital is suitable for loans, and examine whether there is obvious registered capital withdrawal, previous loans and repayment, and whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect repayment.
3. Regarding the borrower's loan conditions, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations, whether the borrower's foreign investment (if it is a company) exceeds 50% of its net assets, and whether the borrower's debt ratio meets the requirements of the lender.