At present, the company's convenience stores are operated by direct stores and franchise stores. With standardized management system and commodity distribution mode, convenience stores are mainly concentrated in Baoan, Longhua and Longgang areas. 2065438+On March 27th, 2007, the risk control department of Dingcheng Venture Capital went to the warehouse logistics center of Wujiayi convenience store headquarters to learn about the borrower's store and visited the operation of Mr. Tu, a citizen borrower in Longhua New District, Shenzhen. The shop is located at the entrance of the village, with a large permanent population and a large flow of people. It belongs to a bustling street and there are no other shops of this type around.
Wu Jiayi head office storage logistics center
Located in the shop of Mr. Tu, a citizen borrower in Longhua New District, Shenzhen.
5+ 1 The convenience store is uniform, and the employees are cleaning.
Manager Tan of Dingcheng Venture Capital is asking the clerk about the operation.
Xiao Zhang, a colleague of Dingcheng Venture Capital Risk Control Department, checks the business process.
On-the-spot inspection is mainly aimed at the personnel situation of convenience stores, including existing turnover, daily turnover and monthly turnover, including quarterly operation. Employees are mainly divided into three categories. If the turnover exceeds the company's target, all employees will be rewarded with basic salary. On-the-spot investigation of the store's operation this month showed that the overall operation was good.
Dingcheng Venture Capital has always believed that high-quality loans are achieved through careful post-loan management. Do a good job in the process management of post-loan management of customer credit business, and do a good job in the post-loan management plan of customers according to the enhanced arrangement of "controlling risks and exploring business opportunities" implemented by Dingcheng Venture Capital, with the emphasis on credit basic management. After the loan is issued, it is necessary to strengthen the post-loan management, update the relevant information of customers in real time, make regular credit visit records, understand the customer situation, business dynamics and customer capital flow, and observe the upstream and downstream customers. Before the loan expires, we should pay attention to whether the repayment funds are in place, actively collect them, nip in the bud, strengthen credit inspection, focus on investigating customers with doubtful risks, and eliminate non-performing loans. Do a good job in early detection and early disposal of risk signals, and resolve risks from management. Effectively manage the whole life cycle of each loan.
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