President responsibility system: the president and manager are responsible for loan management.
Loan review and loan score separation: loan investigation and evaluation personnel are responsible for the investigation of loan evaluation, and bear the responsibility of investigation errors and inaccurate evaluation; The loan examiner is responsible for the review of the loan risk, and bears the responsibility for the review error; Lenders are responsible for the inspection and repayment of loans, and bear the bad responsibility for collection caused by inspection errors.
Graded approval system: the lender determines the approval authority of branches at all levels according to the business volume, management level and loan risk, and loans exceeding the approval authority should be reported to the superior bank for approval. Branches at all levels shall determine the risk of each loan according to the credit ratings of borrowers, collateral and guarantors.
Post responsibility system: loan management departments at all levels should add the management responsibility of all aspects of loan management to strictly divided departmental posts and individuals. The responsibilities of credit officers at all levels, lenders to large borrowers to establish a construction factory loan officer system.
Resignation audit system: when the loan manager is transferred from his original post, he should conduct classified audit on the loans issued during his tenure and within his authority.
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 and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender.
(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.