You can go to shuangliao city Yuxin Microfinance Co., Ltd for consultation. The following is the company's simple information for reference only. If the company is unreliable, don't continue to negotiate with it. Remember, you must have a sense of prevention and don't be cheated. Shuangliao city Yuxin Microfinance Co., Ltd. Tel: 0434-74 18888 Address: East and West of North Gate of shuangliao city Consumers Association, Siping City, Jilin Province 142m.
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Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links. First, the content of the review omitted the loan examiner of the bank, which led to credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
Second, in practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.
Third, many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.