The loan consultant pointed out that loan is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation. Loan refers to the financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.
The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
In practice, some enterprises have not done due diligence. In practice, loan examiners often only pay attention to the identification of documents, but lack due diligence, so it is difficult to identify fraud in loans and cause credit risks.
Wrong judgment The bank did not listen to experts' opinions on relevant contents, or made professional judgments by professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects.