1, accepted:
Including customer application, qualification examination, customer submission materials, preliminary examination and other operational links. According to the relevant laws, regulations, rules and bank credit policies, the accepting personnel shall review the customer's qualifications and the application materials provided, and decide whether to accept the customer's application for credit business.
2. Investigation and evaluation:
If the customer needs the bank to issue a letter of intent for the loan, the preliminary investigation should be conducted first. If the preliminary investigation is unqualified, the materials shall be returned to the customer in time; If the preliminary investigation is qualified, first issue a letter of intent for the loan, and then conduct a comprehensive and in-depth investigation; If the customer does not need to issue a loan letter of intent, the investigation and evaluation work will be carried out directly.
3. Ratification:
Banks at all levels shall accept and approve credit business according to the credit authorization authority stipulated in the legal person power of attorney or sub-authorization document, including compliance review and approval of approval materials. It includes five steps: first, implement the pre-loan conditions; Second, sign a contract; Third, implement the conditions for the use of funds; Fourth, drawing and using; Fifth, register credit. Post-loan management includes inspection, recovery, extension of credit assets, debt repayment with loans and management of non-performing assets.
Credit business price and credit asset classification:
1. Credit business price:
The price of credit business mainly includes: the interest rate of loan, the rate of off-balance sheet business, the handling fee of loan, and the level of deposit balance required by a certain loan ratio. The specific interest rate and rate standard shall be published regularly by the price management department of the Head Office.
The loan bears interest on a daily basis and is settled on a monthly basis. The interest settlement date of corporate loans is 20th of each month (or the end of each quarter), and the interest settlement date of personal loans is determined by tier-one branches.
2. Classification of credit assets:
Four-level classification of credit assets: In the past, the classification method of non-performing loans of banks was "one loan exceeds two loans", that is, it was divided into four levels: normal, overdue, sluggish and bad debts. Five-level classification of credit assets: according to the possibility of timely and full recovery of credit assets, credit assets are divided into five categories: normal, concerned, secondary, suspicious and loss.
Twelve-level classification of credit assets: On the basis of five-level classification, normal loans are subdivided into five levels, concern, subprime and suspicious are subdivided into two levels respectively, and the loss level is still one level.