The warranty "three checks" refer to the pre-warranty investigation, timely review and post-warranty inspection. "Three checks" is one of the core contents of the credit guarantee management system, an important part of the credit guarantee work procedure and an effective method to do a good job in credit guarantee.
Investigation before insurance
(a) to investigate and evaluate the loan applicant.
1. Review the relevant materials of the loan applicant.
2. Conduct on-the-spot investigation on loan applicants, verify photocopied materials, access relevant general ledger, subsidiary ledger and vouchers, and review financial statements.
3 analysis of financial statements, check the financial situation and operating results of loan applicants.
4. Review the loan application amount and duration.
(two) to investigate and evaluate the loan guarantor.
1. Review relevant materials of the loan guarantor.
2. Conduct on-the-spot investigation on the loan guarantor, verify the copied materials, access the relevant general ledger, subsidiary ledger and vouchers, and review the financial statements.
3. Analyze the financial statements and check the guarantee ability.
(3) Investigating and evaluating loan collateral and pledge.
1. Check the collateral and pledge.
2. Review the procedures related to mortgage and pledge.
3. On-site inspection of collateral.
4. Review the value of collateral and determine the amount of collateral.
(4) Write the investigation and approval report.
Investigate and approve the contents of the report
1) Basic information
2) Management and operation
3) Financial situation
4) Project situation
5) Counter-guarantee scheme
6) Risks and benefits
7) Survey opinions
Timing audit
It is the key link to ensure the correct and reasonable issuance of loans. Mainly review the authenticity, legality and completeness of the borrower's application materials and the detailed investigation report. The main contents include: loan purposes, enterprise development prospects, operating conditions, solvency, whether the elements of the counter-guarantee contract are complete and so on.
Inspection after warranty
It is an important safeguard measure to ensure the rational use of loans according to policies and regulations, and to reduce and prevent loan risks. It requires the project personnel to track and check the use of the loan after the loan is issued, and regularly analyze and check the main contents of the analysis:
1. Check whether the loan is used according to the purpose, misappropriated and applied.
2. Check whether there is inventory backlog and collection of accounts receivable.
3. Implement the source of corporate repayment funds.
4. Correct the outstanding problems in enterprise operation and all unfavorable factors that affect the safety of loans, and urge enterprises to improve.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.