The account managers of many commercial banks tend to pay more attention to the credit information of enterprises and ignore the interpretation of the basic information of enterprises. on the one hand
Attention should be paid to the information of affiliated enterprises. Some enterprises will transfer or conceal assets by registering affiliated enterprises or through affiliated enterprises.
Beautify your financial statements with high debt and low debt; Second, we should pay attention to the investors, senior managers and legal representatives of enterprises.
Changes, changes at the top often mean internal instability. As a well-known problem of landscape cement, at first,
Originated from the internal equity dispute.
Pay attention to the overall debt situation of enterprises
Faced with many credit records in corporate credit reports, account managers of commercial banks often pay attention to loan details first.
Especially the current situation, maturity date and guarantee measures of each loan, but the greater risks are often hidden in the overall situation of the loan. one
Attention should be paid to whether the total loan amount in the statement is consistent with the financial statement provided by the customer. If the total amount of loans in the credit report indicates that
Obviously higher than the financial statements provided by customers, indicating that enterprises have problems such as concealing liabilities and whitewashing statements, and even large enterprises.
Measure the possibility of private financing. If the total loan amount in the credit report is obviously lower than the financial statement value provided by the customer, there is an enterprise levy.
The delay of letter reporting or the possibility that the enterprise has affiliated enterprise loans or private loans need further investigation and verification by the account manager. The second one is
Need to pay attention to the history of corporate debt changes. The history of debt changes shows the total bank liabilities of customers at the end of each quarter in the past three years.
The account manager of the bank should judge whether the customer's liabilities in the bank have increased or decreased significantly according to the customer's own operating conditions.
If it increases significantly, it means that there is the possibility of blind expansion; Or decline year by year, there is the possibility that other banks will withdraw from customers.
Pay attention to the details of unpaid normal credit records of enterprises
First, pay attention to the loan with maturity before the inquiry date and the situation that the loan balance is "odd", and verify the customer's
Whether the loan has not been repaid within the original time limit. If the balance is "odd", in addition to the customer's partial repayment in advance,
Another possibility is that the loan has been restructured by other banks and should be highly concerned; Second, pay attention to the "loan slip" in the details.
If there is a situation of "recovering the loan", we should pay attention to whether any customer has applied for a loan of "borrowing the new and returning the old" due to operational difficulties.
Possibility; Third, we should pay attention to whether there is a working capital loan with a long loan period. At present, apart from individual medium and long-term liquidity loans,
Commercial banks generally issue short-term working capital loans within one year. If there is a term exceeding one year in the loan details,
Working capital loans, should focus on the investigation of whether there is reorganization of loans; Fourth, pay attention to "details of normal credit records"
On the maturity date, reasonably arrange the maturity date of the proposed loan, and try not to collectively expire with loans from other banks. At the same time, we should pay attention to the upcoming
Whether there is a reliable source of repayment funds and the loan bank's willingness to renew loans for large-sum loans due, and for the source of repayment funds,
Customers with poor reliability or who have not been renewed by the lending bank need to be careful to intervene.
Pay attention to other information such as settled business.
The settlement of the loan does not mean that there is no risk in the business process. Therefore, the account managers of commercial banks should also attach great importance to the information such as settled loans, and comprehensively judge the business trend of enterprises through the analysis of settled loans and outstanding loans. First, check whether there are advances in "settled business" and whether there are "attention" records in the five-level classification status of settled loans. if
The existence indicates that the customer may have overdue loans from other banks, or borrow new loans, repay old loans, restructure loans, etc. ; Second, pay attention to the "main business information of external guarantee" to see whether the five-level classification of external guarantee business is normal and whether the loan maturity date is within the inquiry date.
Before, whether there was any "small change" in the balance of external guarantee, and verify whether there was any abnormal loan guaranteed by customers. In addition, it should also
By summarizing the main business information of external guarantee and comparing it with the data provided by customers, verify whether the external guarantee data provided by customers is true; Third, pay attention to the details of enterprise information and check whether customers have court enforcement records and external supervision departments.
Punishment information.