1。 Post-loan management, as the name implies, means that after a bank or other financial institution issues a loan, it will manage all aspects of the loan before you pay off the loan, which will not affect the credit investigation. Generally speaking, it is income, overdue and liabilities that affect personal credit information, while post-loan management is only a general credit information inquiry record, not a negative record, and will not affect credit information. 3. But different banks have different evaluation criteria. It is not excluded that some banks may look at the post-loan management too much and speculate that you are in high debt, thus rejecting your loan or credit card application. What are the characteristics of post-loan management? 1. Post-lending here refers to not only loans, but also credit cards, and often post-lending management. 2. There are many aspects of post-loan management, including the use of loans, changes in personal information, changes in income, and changes in credit reporting. 3. Post-loan management is not only available in banks, but also in many formal financial institutions. 4. On the one hand, post-loan management is to ensure the safety of funds and make timely response measures when problems arise; On the other hand, you can introduce related businesses according to your own credit records. 5. Post-loan management will not affect credit reporting, but overdue loans will affect personal credit reporting in life. Post-loan management generally checks whether the borrower's credit information has changed. This kind of inspection can let us know the changes of the borrower's information and evaluate the possibility of loan risk. 6. Post-loan management does not count the number of inquiries when inquiring personal credit information, but it will limit the number of inquiries within a certain period of time. If more than a certain number of inquiries, personal credit will be affected at this time. In real life, different financial institutions have different frequency of inquiring about credit information, so there is no need to panic when inquiring normally. 7. Through post-loan management, we can know whether the borrower's financial changes, such as liabilities, the number of credit cards and new loans, have changed. Generally, the borrower will be inspected every once in a while to detect the changes in the borrower's basic information. 8. After handling the loan, it is best to repay it on time, and never overdue. Overdue repayment will generate penalty interest, and overdue records will be uploaded to the credit information center, so it is difficult to apply for a loan again after personal credit information deteriorates. In addition, overdue records will be kept for a long time if they are included in the credit information.
Second, the introduction of post-loan inspection.
Post-loan inspection refers to the follow-up investigation and inspection of the borrower's execution of the loan contract and the borrower's operation after the loan is issued. If it is found that the borrower fails to use the loan according to the specified purpose, which leads to an increase in loan risk, the loan may be recovered in advance or relevant preservation measures may be taken.
Third, how to write the conclusion of the post-loan inspection report?
Hello, here is the format: Post-loan investigation report on.
Comrades and I conducted on-site and off-site post-loan inspections on the company's operation, profitability, solvency and mortgage guarantee ability, and now we report the relevant situation as follows.
As of the investigation date, this household has borrowed RMB10,000 yuan from our agency, with the purpose and method of borrowing.
I. Basic information of the borrower:
The borrower is a member of county, township and village (neighborhood) committees, aged, mainly engaged in
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4. How to write the joint letter of the company?
XXX (contact): Hello, now my company (company, our factory will do. ) phenomenon. Win-win for your company and our company. I hope the delivery date of our order will be within 5 days: signature? XXX company, contact person: XXX. Contact information: XXX