Xxx loan post-loan inspection report
Xx rural credit cooperative union:
Now, according to the Guarantee Law of People's Republic of China (PRC), Notice of Operating Rules for Loan Business of XX Rural Credit Cooperatives (for Trial Implementation) and Operating Rules for Loan Management of XX Rural Credit Cooperatives and other relevant regulations, this paper analyzes the borrower's loan purpose, collateral and guarantor, timely repayment of loan principal and interest, borrower's operation and management, authenticity and integrity of credit files and information, and loan risk. In order to ensure the correct use of credit cooperative funds and prevent illegal operation, the credit manager of Lu Chun Rural Credit Cooperative Union conducted a post-loan inspection on the use of loan funds applied for by XX on XX. The inspection results are reported as follows:
I. Basic information
Xxx is a native of xx years old and has a general credit rating. XXX applied for a loan10,000 yuan from XX county rural credit cooperative union in XX years, with a term of xx years, for building a house in the new district of xx township. After a comprehensive investigation on the feasibility, credit standing and conditions of its business projects by the credit group of the credit cooperative, it was reported to the county association for examination and approval, and on ××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××
Second, the loan inspection situation
The borrower. After the loan is issued, the borrower fails to repay the loan principal on time, and the guarantor is the borrower's husband, so the guarantee is invalid. After the completion of the house, the mortgage registration after the property right certificate was not handled in time, the borrower's credit file information was incomplete, and the credit staff of the credit cooperative did not conduct post-loan follow-up inspection.
Third, inspection and analysis.
The annual household income is about 1 10,000 yuan, the credit manager of the credit cooperative fails to track and check the large loans, the mortgage guarantee is not implemented, and the credit file is not perfect. There are certain potential risks. Dashuigou Credit Cooperative did not check and analyze the loan and did not know the borrower's operating income. The five-level classification is still in XXX category, which fails to reflect the risk situation in time.
Fourth, the inspection results
After this post-loan inspection, the inspectors think that. } Road revenue. } Without mortgage registration, the borrower's first repayment source is insufficient, and it is expected that the principal and interest of the loan will not be recovered on schedule, so the loan is classified as secondary.
How to check personal credit report before loan?
Personal credit report can be inquired in the following four ways: counter inquiry, self-service inquiry, online banking inquiry of commercial banks and internet inquiry.
1, counter inquiry
Need to bring: the original and photocopy of my valid identity certificate; Personal credit report inquiry application form.
Counter inquiry is limited to my own inquiry. Valid documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit.
2. Self-service inquiry
Self-service inquiry requires a second-generation ID card.
The self-service inquiry of personal credit report business is limited to myself, and each version can only be inquired once a day.
The self-service inquiry machine can only recognize the second-generation ID card. You can use other valid identity documents to check at the counter.
3. Online banking inquiry of commercial banks
If you hold the U shield of Bank of Beijing online banking, you can log in to Bank of Beijing online banking to apply for a personal credit report.
4. Internet inquiry
Log in to the personal credit report inquiry website, and after the registration activation is successful, you can inquire about the credit report.
Credit inquiry method:
1, counter query;
2. Self-service inquiry;
3. Online banking inquiry of commercial banks;
4. Network query.
Kneel for the model essay on the post-loan inspection (supervision) report of enterprise loans
Xx limited liability company's post-loan inspection report time: July 8, 2005, 20: 58 ××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××× According to relevant regulations, our department inspected the company's post-loan situation on October 30th, 2003. The specific inspection report is as follows: 1. Basic information ×× Medical Equipment Co., Ltd. was established in March 2000 with a registered capital of 600,000 yuan and an investor of ***2. The company's business scope is mainly to carry out vibration imaging examination of human diseases and operate medical equipment. In August 2000, the company borrowed 3 million yuan from our bank to buy vibration instruments. Two. Operation and financial situation: the company cooperates with a city hospital, and the business place is on the first floor of a city hospital to carry out vibration image examination for patients. Due to the influence of the charging price and the competition with the city hospital CT, there are not many patients doing imaging examination, and the company's operating efficiency is not good. From June 65438 to September this year, only 200,000 were realized. By the end of September this year, the total book assets of the enterprise were 5.33 million yuan, including current assets of 6.5438+0.3 million yuan, fixed assets of 5.2 million yuan, and total liabilities of 32.65438+0.00 million yuan, including current liabilities of 26.5438+0.00 million yuan, long-term liabilities of 3 million yuan (bank loans of 3 million yuan), and asset-liability ratio of 60%. Since the company basically stopped operating after September, the financial data at the end of September was adopted. Three. Loan: The credit rating of this enterprise is A, and the maximum credit line is 3 million yuan. Up to now, the loan balance of this enterprise in our bank is 3 million yuan. Due to poor management of the enterprise, it was extended on August 20th this year. The loan was mortgaged with machinery and equipment, with a value of 5.22 million yuan and a mortgage rate of 54%. 4. Problem (risk warning reason) (1) The enterprise has been operating for more than three years, and the equipment has not been fully depreciated (according to the normal equipment depreciation method, the eight-year depreciation should be 2 million yuan, and the actual depreciation should be 900,000 yuan), resulting in serious potential losses of the enterprise. (2) The enterprise collateral is special equipment, which is professional, fast to update and has poor liquidity. (3) The enterprise has been short-paid, the principal has not been repaid and it is difficult to pay interest, and it has owed the second interest. (d) The separation of investors and operators often leads to the phenomenon of management wrangling, which has a negative impact on the repayment of loan principal and interest. To sum up, on June 10 and June 13 this year, the bank put forward the risk warning signal for the enterprise's loan of 3 million yuan, and formulated relevant risk warning measures. V. The disposal plan was communicated with the legal representative and financial supervisor of the enterprise, combined with relevant policies and legal publicity, and made use of the overall research of the bank to reach an understanding with the enterprise. In view of the related issues raised by the bank, such as the disposal of collateral to repay the loan principal and interest, the enterprise agrees to repay the owed interest as soon as possible and to dispose of the loan collateral to repay our loan. It is estimated that the operation will be completed on June 5438+ 10, 2004. Customer Manager: Account Manager (Group) added: And this, you can find it yourself.
How to write a comprehensive personal loan investigation report
The process of formal bank handling is as follows: First, the borrower needs to submit a series of materials to the bank except the ID card, including
(1) loan application approval form; (The lender shall fill in directly at the lending institution)
(2) proof of residential address; (Certificate issued by neighborhood committee or invoice for water and electricity payment)
(3) proof of work and income;
(4) Other information required by the bank.
Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.
Finally, the bank issues loans to borrowers through transfer.
Bank loan audit report?
Any bank loan needs a lender and has the ability to repay the loan. Generally speaking, there are corresponding collateral (housing property rights, cars, machinery and equipment, etc.). ), but these are not enough. Banks should examine whether the company has the corresponding actual repayment ability. So in order to avoid risks, banks need to conduct a detailed investigation on the overall actual operation of enterprises at this time, so they will require enterprises to issue corresponding loan audit reports.
After the actual disbursement, the company also needs to conduct a special audit on the use of funds. That doesn't mean you're done after you get the money from the bank. If you don't use the money borrowed from the bank to do what you said in the report, the bank can recover the loan immediately. Here, I would like to remind companies that want to misappropriate bank loans. The consequences of doing so are very serious.
This loan audit report, as well as the special audit report you need to do later, are all means for banks to avoid their own risks. This premise is that you need to meet the corresponding conditions of the company before the loan review.
Do mortgage loans need post-loan inspection reports?
need
The basic process of mortgage loan is as follows:
On-site inspection:
Loan officers, intermediaries, appraisers, buyers and sellers go to the housing site to apply for mortgage loans to conduct on-site investigation of the housing;
Property right verification;
The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification and go through the relevant formalities;
Sign the contract:
The bank carefully checks and verifies the original information of customers, identifies the authenticity of all signatories, supervises the signature of customers, collects the original property certificate and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;
Fill in the contract:
The bank arranges the information according to the relevant information provided by the customer and fills in the contract;
Payment obligation:
After the bank's fee is pre-approved, it will inform the customer to pay;
Transfer of property rights:
With the help of the Housing Authority, the buyer and the seller go through the formalities of property right transfer; The Lender prepares relevant materials to go through the mortgage formalities at the bank;
Bank loan.
This is the end of the personal loan special inspection report and self-inspection introduction. I wonder if you found the information you need from it?