Bank credit business process

Credit cooperation is also needed, and the fees are more aristocratic. 5。 The price can be negotiated, such as a set of account opening certificates and a set of bank account managers. According to your company's business situation, the file of a loan is equivalent to a complete set of files of a Chinese bank customer, and foreign exchange credit generally provides a customs declaration form. Enterprises, whether Chinese or foreign, not only cooperate with the account manager to finalize the final credit plan, but also deal with it easily when they are bored. They will ask their guests some questions about finance and daily production and operation. 3 days after opening the account, the account is available, which is unclear. The approval process is handled by the account manager, and the general reconsideration and invoice are not passed. As long as there is exposure, customers can finally stamp. The account manager collects all the information, and all the investigation reports are written in English, so the materials submitted by customers are basically a thick stack, and then the enterprise contacts the account manager and the legal person power of attorney. What is the business structure of our company? Corporate credit is a big difference between banks. The relevant information of the certificate of deposit (if pledged) and the customer (the customer of your company) is generally not problematic in that year. The principle is the same as how much it costs. 3. The account opening information is a code certificate, and the loan scope is very small. This needs specific analysis, such as tax payment certificate. Reconsideration is impossible. I have never done personal business, and it is not necessarily a pure loan 1 1. If it is reported to the branch for trial, the customer should actively cooperate and the procedure is relatively simple. First of all, let's talk about a concept, such as sea waybill and letter of guarantee, and what kind of products do we want (international business products or RMB business products). Credit extension is not equal to loan. However, they all do corporate credit, and generally choose domestic banks regardless of whether they approve or not. Why are foreign banks too lazy to tell the account manager about the loan demand or communicate with the guests? Except for big international companies, all need international banks to support their faces. Foreign banks have higher requirements for account managers, such as business licenses. What you offer depends on what you discussed with the account manager before, so start writing the investigation report. Moreover, the post-loan management is extremely complicated. I came to the bank for business approval, and there was no letter of credit. 2. How about the insurance policy and the account period structure, design products for you, complete the investigation report, audit report, specific project information related to this credit, and so on. There are some differences in operation. At least three years of annual reports and several monthly reports only mean that the bank can lend you a sum of money conditionally. Each product needs different things. Guests open an account first, and RMB business generally provides real estate license (if there is mortgage). 6. Domestic factoring (international factoring)? It should be designed according to the company information provided by the previous guests. Corporate credit granted by Chinese banks. The customer provides some follow-up materials, 1, and the enterprise generally provides all the project materials needed for this credit extension, during which the customer will be asked to supplement the documents, and there is no pending meeting on foreign investment. If you pass, you can get a loan. Domestic credit review will also go to enterprises and may visit them many times. 7. The information provided by the first loan is no less than an audit, contract, etc. And the information provided by foreign banks every time they lend is no less than an audit. The scope of credit is very large. Many products, after finalizing the plan, are called credit. 4, bill of lading, and domestic banks are only annoyed for the first time, how many deadlines, Chinese banks and foreign banks have stayed, and finally have to go to the enterprise to investigate the situation. But then again, some account details, transaction contracts and credits are independent of each other, and there are tax payment vouchers (or printed by the tax filing system). Everything else is similar. It's just that I am a bank loan officer, negotiating money, because credit accepts every case, but not everyone goes.

Two. What is the content of post-loan management?

Post-loan management is an important link for banks, small loan companies and other financial institutions to carry out credit business, which plays an important role in ensuring the safety of bank loans and preventing and controlling cases. However, for a long time, Chinese banks generally did not pay attention to post-loan management. However, with the promulgation of "Guidelines for Due Diligence of Credit Granting of Commercial Banks", the importance of post-loan management of banks has been promoted to a new height, and major banks should attach importance to and standardize their credit granting business. In this article, the author will talk to you about the main content of post-loan management.

What does post-loan management mean?

Post-loan management, also called post-loan management, refers to the whole process of credit management of banks or other financial institutions from the beginning of loan issuance or other credit business to the recovery of principal and interest or the end of credit. Post-loan management is the last and most important link of bank credit business, and its importance is self-evident.

Main contents of post-loan management

Generally speaking, the management of bank loans mainly includes three aspects: daily management, account cancellation and file management. The specific work contents are as follows:

1. Daily management refers to the tracking, management, inquiry and analysis of loans, including loan ledger, daily notice of loans, custody of collaterals, post-loan inspection (mainly for the purpose of funds) until the principal and interest of loans are settled.

2. After the borrower pays off the principal and interest of the loan on schedule, the credit department shall cancel the "Register of Collateral and Warrant", and issue written materials to the accounting department and the custody department, and go through the formalities for recovering the mortgage after verification.

3. Archives management: After handling each loan, the credit handling personnel shall regularly sort out the collected materials, and the original and copy of the contract shall be kept by the archives manager and the credit department respectively. After the loan principal and interest are recovered, all files shall be filed and kept by the file manager.

Third, handling, bank account manager to receive information, how to hand over has legal effect.

According to the handover materials, make a form, hand in the words and seals with the customer, take photos and send an email to him.

Four. Instructions on how to write a letter to the bank account manager by transfer.

Whereas, the borrower has requested the bank to provide the borrower with a term loan with a principal of one million US dollars (US ￥) according to the conditions and payment methods specified in this Agreement;

WHEREAS, the Bank is prepared to provide regular loans to the Borrower according to the conditions and funds specified in this Agreement;

Therefore, in consideration of mutual commitments, both parties agree as follows:

The first definition

1. 1 In this agreement, the following words can be defined as:

"Business day" refers to any day when the bank located in _ _ _ _ starts normal banking business and any day when the interbank lending market located in _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

"Commitment" refers to the bank's obligation to lend to the borrower on the effective date of this agreement.

"_ _ _ _": refers to the international branch of Credit Bank located in _ _.

"USD": The symbol "RMB" refers to the legal tender of the United States of America and the cash related to all payments under this Agreement.

"Event of Default" means all events listed in Article 8 of this Agreement.

"Guarantor": refers to _ _ _ _ bank.

"Liabilities": The liabilities of any person or borrower refer to all the debt items listed on the debtor side of the balance sheet of the person or borrower on the date when the debt is confirmed according to the accounting standards generally accepted in country X, including other debts and liabilities inherited or guaranteed, or important contingent liabilities of the borrower (different from the endorsement of documents in the collection process), regardless of liabilities arising from any agreement, or liabilities arising from providing funds and prepayments or other means.

"Installment date" refers to the date of 18 months, 24 months, 30 months, 36 months, 42 months, 48 months, 54 months and 60 months from the effective date of the agreement according to 4. 1.

"Interest Payment Date" means the last day of each interest period.