① Family background. The shareholders of customers are all family members, and such customers are usually risk-conscious and cautious.
② Foreign investment background. Customer rights and interests are more or less foreign. This kind of customers usually manage more funds and have strong technical strength, but they may transfer benefits through related party transactions.
③ Government background. Customers are established by government investment or have business ties with government functional departments. These customers usually have the advantages of policy resources and strong industry competitiveness, but the management efficiency is not high.
4 listing background. Customers are listed companies, wholly-owned subsidiaries, holding subsidiaries or shareholding subsidiaries of listed companies. These customers are usually standardized in management and have the advantage of group operation, but the related party relationship is complex and there are many related transactions.
Second, the quality and industry management experience of senior management, especially the main person in charge, are the key points for credit personnel to inspect senior management. If senior managers have only one-sided skills, such as financial management expertise, but no comprehensive skills such as technology, marketing and management, or managers have no experience in dealing with industry risks and lack the practical ability to control enterprise risks, it is usually difficult to grasp the future development direction of the company. The evaluation of the quality of the company's senior executives mainly includes the following aspects:
(1) education. Education is a social indicator of a person's national education level. A high degree indicates a good education and systematic professional quality.
(2) Business experience. Work experience is an asset to an individual. The longer you do business, the more experienced you are.
(3) cultivate morality. In internal management and customer interaction, honesty and trustworthiness and bragging and faking will have different effects.
(4) management style. Steady and enterprising will have different effects in management.
(5) enterprising spirit. Be brave in innovation, forge ahead, stick to the rules, be swayed by considerations of gain and loss, and grasp the opportunities of customers will have different results.
Three. credit
When analyzing the non-financial factors that affect the borrower's repayment ability, we should also analyze the borrower's reputation as an important non-financial factor.
(1) The borrower's bad records can be inquired through the credit registration consulting system of the People's Bank of China to see if the customer has defaulted on bank loans in the past.
(2) The customer's external credit status can also be reflected from the borrower's tax evasion in business, fraudulent use of false statements, concealment of facts and other improper means to defraud bank loans, and fraudulent use of fraudulent means to defraud customers' trust in the purchase and sale process.
(3) In addition to the customer's senior management, credit officers should also analyze the customer's shareholders (especially the major shareholders) to understand who the major shareholders are, their basic qualities, their property and shareholding. It plays an important role in mastering the customer's business policy, predicting the customer's development prospects and evaluating the customer's willingness and ability to bear losses and repay debts.