The summary of bank credit practice should first investigate the credit status of borrowers and guarantors. The first is internal investigation, which investigates the information, loan, guarantee and repayment records of borrowers, guarantors and borrowers' relatives through the credit management system and personal credit information system. Investigate the identity authenticity of borrowers and guarantors through the citizen ID card verification system. The second is external investigation. According to the address, industry and personal information of the borrower and guarantor, see if there are any colleagues, villagers (or members of the village Committee) and original customers who are familiar with them, and get a broader understanding of the borrower and guarantor through them. The third is field investigation. Be sure to go to the borrower's home and actual business location to see the borrower's house, production equipment and actual business situation. Check the borrower's production and operation certificate. Check the borrower's production equipment quantity and account book (the balance sheet may not be available, but the daily running account records should be available, otherwise there will be problems), understand the production purchase and sale situation, cost expenditure and profit structure, production procurement channels and sales channels, and it is best to know the upstream suppliers and downstream sales targets produced by the borrower, and call to understand the relationship and evaluation between the borrower and them. Check the borrower's own funds (you can ask to see his deposit certificate, etc.) ) and bank credit cooperatives access records. Understand the authenticity of the borrower's loan purpose. Understand the borrower's family members, especially their health and income, and estimate the borrower's total family income and expenditure.
My risk in this respect was 1 (although I recovered it and was very nervous during the period). When the credit management system was not opened, a borrower had more than 200,000 non-performing loans in other towns and villages and borrowed them from me. Because of the guarantee of civil servants, it was issued without consulting the relevant township credit cooperatives, and finally it had to be recovered through prosecution. A borrower showed me other people's production and operation equipment, but I didn't check the business license. To make matters worse, the actual purpose of the loan is to pay off the debt (this is only known after incomplete investigation). To make matters worse, the borrower went to prison after the loan expired. So I had to sue the guarantor to take it back. 3. The loans introduced by some colleagues were ignored and the procedures were simplified. It's hard to return it after it expires, and it's too late to regret it. In fact, the quality of colleagues is different. Some people simply don't understand the risks of credit, or introduce loans after a few meals and drinks. 4. For the loans introduced by village committee members or "capable people", a little carelessness in the investigation has formed many risk factors that make them nervous. A client borrowed money from me through a member of the village committee and committed suicide due to family conflicts. Of course, because I had a good attitude when I borrowed money, the borrower actually paid back the money in advance before committing suicide. But I dare not think about it. 5. For the loans introduced by the leaders, there are many potential risks because of the wide distribution and the lack of in-depth investigation.
When I first started working, the study system and eating and drinking were strictly forbidden. But actually working as an account manager, I found that actually having dinner with borrowers also has some advantages: I can learn more about borrowers and guarantors. The first is to tell the truth after drinking. When you drink too much, human nature is easy to show. The second is to understand the borrower's circle of friends. Borrowers who have dinner with you usually invite good relatives and friends to accompany them. As the saying goes, "Birds of a feather flock together." By getting to know the borrower's close friends at the wine table, we can further understand the borrower's nature. Third, understand the borrower through his consumption. Generally speaking, I am wary of borrowers who are too generous and have too many tricks (eating, washing feet, taking a shower, singing in the shower, not finished) (I firmly refuse outrageous invitations). When I meet this kind of person, my attitude is that I will never lend money regardless of other factors. The next day, I will. But I have a good impression on those who haggle over the loan interest and are very calculating when eating.
Eating has more disadvantages. Weighing the pros and cons, eating is better than not eating. Disadvantages of eating with borrowers:
1, loan interest plus insurance, the loan cost is already very high, and the meal is usually paid by the customer, so why bear it? 2. When customers invite you to dinner, they generally hold the psychology of "I invite you to do something before you eat, and you do something for me after you eat". If he refuses the loan, he will feel very disadvantaged, and some will deliberately make trouble. 3, people who eat short mouths eat rice, and it is inevitable to relax the conditions during the inspection. 4. The system does not allow it. 5, eating generally requires drinking, and drinking generally causes trouble. I once thought about AA system or paying by myself, but it didn't actually work. Customers usually pay faster than you. Pay it yourself, and the company won't charge you. So weigh the pros and cons, customers please eat, resolutely not to go. As for accepting gifts and entertainment from customers in the pre-loan investigation, it is a fool to resolutely refuse and take tens of thousands or even hundreds of thousands of risks for items or consumption of several hundred dollars. A very important point: When handling the loan procedures, the borrower and the guarantor must sign the Post-loan List, the Loan and Maturity Notice, the loans overdue Collection Notice and the Guarantor's Responsibility Notice. Fill in the post-loan checklist in quintuplicate, and sign and seal it. Mainly to cope with the inspection and prevent being fined. After filling out the loan, the checklist does not mean not to check, but the procedures should be completed in advance, just in case. Loan maturity notice. The purpose is to cope with the inspection, and the other is to involve the limitation of action, which may become a legal requirement. Fill in 8 reminders of loans overdue, each quarter 1 copy within two years after the deadline (before the limitation of action). One is to cope with the inspection; The second is to reduce responsibility, and the third is as a legal requirement. One of my own lessons is that borrowers and guarantors refuse to sign and seal the collection notice and performance notice after the loan expires, so they can't fight the lawsuit and can't do anything. Don't be afraid of trouble. You must have all these materials when you apply for a loan. If loans overdue wants to make it up, it will be very difficult. In addition to accounting, loan contracts and guarantee contracts must be kept by themselves. Lu told me before, and I didn't take it seriously. It is very important to see it now. Because * * credit cooperatives actually lost the contract, there is no contract, how to sue? Employees who introduce loans from outsiders must be guaranteed by the introducer unless they find more than two official civil servants without loans and guarantees. If the introducer can't guarantee it, no matter who introduces it, the loan is impossible. It is impossible for anyone to apply for a loan through intimidation. The reason is simple: he won't use despicable means to get a loan. But if you give him a loan and can't recover the lawsuit at maturity, he may be desperate under pressure. The risk of refusing to apply for a loan now is far less than in the future.
When a borrower applies for a loan, he should first provide the address and telephone number of the borrower and guarantor, and then conduct telephone communication and field investigation to prevent fraud. Including the borrower lying to himself and the borrower lying to the guarantor. If the borrower applies for a loan, but his wife and other relatives do not agree, the loan will not be approved. There is a simple reason. It is his relatives who know the borrower best. If his relatives don't support him, can you expect his family to work with him? Those who have no family support generally have a bad career. Every account manager will have his own borrower circle, which should be composed of people who are honest, family-oriented, well-behaved and successful. Your borrower circle will affect your own behavior and life, so you must pay attention to it. There is no denying that during my tenure as account manager. Close and frequent borrower circle, low quality, poor behavior and poor occupation. If I am an account manager again, I must correct my behavior, establish a correct circle and stay away from villains. Loan management should adopt five-level classification. However, in view of the present situation of five-level classification, we can take a set of five-level ledgers on the books and establish five-level ledgers privately to realize dynamic and timely management.
Summary of bank credit practice In the first half of the year, under the unified arrangement of bank leaders and credit departments, the credit work of xx Branch was coordinated by the whole bank and Qixin, with the theme of accelerating development, focusing on expanding the scale of deposits and loans and improving the quality of assets, focusing on strengthening credit management, and based on the implementation of various credit systems, the operating performance of XX Branch increased steadily through competitions such as "Extraordinary Contribution 6+ 1" in the first quarter and "Avenue of Stars" in the second quarter. At the end of June, the deposit balance of this branch was RMB 213.07 million, an increase of RMB 21450,000 compared with the beginning of the year. The balance of various loans was 6,543,800+0,654,380+0,344,000 yuan, an increase of 25.27 million yuan compared with the beginning of the year, with loan-to-deposit ratio accounting for 53%; The balance of non-performing loans was 6.5438+0.6 million yuan, down 0.9 million yuan from the beginning of the year; The amount of bank acceptance bill is 88.49 million yuan; The discounted amount is 55.07 million yuan; The interest income is 5.84 million yuan, and the half-year profit is 3.77 million yuan. The objectives and tasks assigned by superiors have been fully completed, and credit management has gradually become standardized and institutionalized.
First, seriously implement policies, strictly follow the requirements of standardized management, and earnestly strengthen the basic work of credit to ensure the smooth completion of various indicators. Over the past six months, the Bank has earnestly studied and profoundly understood the spirit of the meetings and documents of the Head Office, timely analyzed the situation, conscientiously implemented policies, strictly supervised enterprises, standardized internal management, and effectively prevented risks, which not only improved the credit management level, but also laid a solid foundation for ensuring the smooth completion of various business responsibility assessment indicators throughout the year. In terms of loan delivery, the sub-branch attaches great importance to the risk management of loan delivery and has taken the following measures:
(1) Strictly implement the guidance on credit risk control issued by the Head Office, further control credit risk and standardize credit granting behavior. The pre-loan investigation and approval procedures were tightened, and the scope and requirements of the pre-loan investigation for credit personnel were clarified to ensure that the credit investigation materials were true and effective.
(2) Strictly control the credit risk, strictly implement the credit risk prevention and control management system, fully implement the separation of loan review, standardize the loan review meeting, implement the regular meeting system of loan review, hold meetings in strict accordance with the procedures of loan review meeting, and clarify the responsibilities of the main responsible persons in each link. Carry out the post-loan inspection work in a down-to-earth and meticulous manner, regularly and irregularly inspect and analyze the business conditions and mortgage and pledge of the enterprise, and carefully fill in the post-loan management form. Do a good job in the five-level classification of loans, formulate specific implementation rules for the five-level classification operation, unify customer classification, and improve the quality of credit management.
(5) For working capital loans, discount loans and acceptance bills, the unified investigation and approval format of the Head Office should be strictly implemented in the process of approval, so as to effectively control the credit risk from the source.
(6) Actively cooperate with the Credit Department of the Head Office to conduct credit inspection. No irregularities were found during the inspection, and the credit work was affirmed and praised.
Second, through credit leverage, seize market share, strengthen financial strength and enhance development potential. In the first half of the year, the Bank continued to make a fuss about developing credit business, carrying out credit marketing and actively organizing deposits. , conscientiously do a good job in the return visit of large households, pay close attention to and master the fund operation and operation of loan units; Vigorously organize deposits, actively develop business and tap customers.
1. In the first half of the year, the bank's credit funds were mainly invested in high-quality enterprises and large and medium-sized projects, and continued to support high-quality enterprises with good credit, good operation and good benefits, such as Zhonglian Julong Cement Co., Ltd., Yicheng Construction Co., Ltd. and Lima Real Estate Co., Ltd., and the credit structure was further optimized as an important strategic measure for the bank to adjust the credit structure, spread credit risks, seize market share and maintain sustainable development. Moreover, by optimizing the credit structure and correctly putting in credit funds, the bank's quality customers are increasing. It not only reduces the business risk, but also achieves good social benefits.
2. In the first half of the year, the bank insisted on diversified business development, accelerated the development of bill discount business, and focused on increasing the credit line for quality customers, which not only reduced the overall risk of loans, but also brought rich interest income. With the implementation of relatively independent accounting, the economic benefits have been significantly improved. This year1-June, the interest income was 5.84 million yuan, exceeding the income level of last year, and the profit was 3.77 million yuan, which effectively strengthened the financial strength and enhanced the development potential.
Third, intensify credit marketing, constantly expand business space and accelerate the pace of business development.
1. In the first half of the year, our bank made some breakthroughs in the development of credit business, especially in automobile consumption loans. Our bank also pays special attention to strengthening cooperation between banks and enterprises and coordinating the relationship between banks and enterprises. According to the development of the form and the needs of practical work, actively carry out investigation and research, exchange information with enterprises, strengthen understanding and cooperation, negotiate solutions to problems, increase support for enterprises, and build a new relationship between banks and enterprises. In March, the Bank held a networking event with City Automobile Sales Co., Ltd., which strengthened the communication and understanding between banks and enterprises and established a deep cooperative relationship between banks and enterprises.
2. In the first half of the year, the Bank further improved its understanding of credit marketing, continued to promote the construction of civilized credit projects, seized market share to the maximum extent, established a stable customer base, stepped up its marketing efforts to the private economy and individual residents, selected individual enterprises and urban residents with good credit and strong repayment ability as credit marketing targets, combined credit marketing with green and civilized credit ecological projects, and built a unique credit marketing brand of the Bank through a series of social and civilized credit creation activities. Three, establish and improve the internal management mechanism, orderly business operation, improve work efficiency and promote business development. While constantly strengthening and improving the daily credit work, our bank also pays attention to strengthening the business learning of credit personnel, so as to make the business operation handy and improve the quality and efficiency of work. Do a good job in filing and carrying forward credit data, implement one file for each household, and establish a complete customer information file system for timely reference and call. For credit ledgers and statements, it can reflect the data completely and accurately, report the statements in time, do a good job in credit registration and provide information in time. While doing a good job in management, the bank constantly strengthens service awareness, improves service means, actively carries out high-quality and civilized services, establishes a "window" image, retains depositors with services, attracts deposits with enthusiasm, always serves customers better with the spirit that customers are God, improves external image, and promotes business development with high-quality services. Iv. working ideas for the second half of the year 1, based on the current situation, do a good job in all stages and start in the second half of the year on the basis of the first half. In the second half of the year, we should arrange and implement all kinds of credit business. For projects that have been intended in the first half of the year, efforts should be made in the second half of the year. For example, do a good job in the mortgage of commercial housing in Xingang International and Huayin Real Estate, do a good job in the return visit of large households, strengthen the statistics of capital withdrawal of loan enterprises, consolidate old customers, develop new customers, carry out credit marketing in an all-round way, and strive to complete various indicators and tasks of credit business. 2, do a good job of enterprise credit rating, to provide a scientific basis for credit decision. Seriously investigate and verify the enterprise's situation, carry out the enterprise credit rating work, seriously study and deeply understand the relevant documents and the credit rating management measures of the head office, strictly follow the unified standards and calculation methods stipulated by the head office, ensure the objective, fair and accurate evaluation of the enterprise's credit rating, truly reflect the enterprise's management, financial situation and reputation, and lay a foundation for banks to measure the risk tolerance of enterprises with accounts and implement the credit access mechanism.
3. Summarize experience and strengthen management. Further strengthen the basic management of credit, strengthen the integrity, accuracy, compliance and confidentiality management of credit files according to the inspection requirements of the Credit Department of the Head Office, and establish and improve the credit business ledger, credit ledger, mortgage and pledge ledger and non-performing loan supervision ledger. Establish the best combination of sub-branch management objectives to ensure that the asset quality of sub-branches remains stable. Although some achievements have been made in the first half of the year, there is still a certain distance from the requirements of the leaders of the bank. We calmly analyzed the existing shortcomings. First, the standardized management of business needs to be further strengthened, and the system stipulates that it should be fully implemented in all positions and links of business work; Second, the scope of business development needs to be continuously expanded, and the fields involved should be broader and deeper to promote the rapid and sustainable development of business. The above issues will be the focus of the bank's future work. In the future, we will strictly strengthen management, constantly explore new business areas, have high standards and strict requirements, and constantly improve and perfect under the correct guidance of the bank leaders and the credit department, and strive to do all the work in the second half of the year.
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