Can the Minsheng loan officer communicate with the approver?

Minsheng loan officers can communicate with auditors, but they should communicate on the premise of ensuring that the audit work of auditors will not be affected. Because the work of loan officers and auditors is very different, it is necessary to ensure the correct evaluation of credit quality and risk.

1. A loan officer is a salesperson who helps potential customers apply for loans. At the same time, credit institutions must collect specific information of individuals and enterprises, and analyze the borrower's credit and repayment ability to ensure the reliability of decision-making. The credit specialist also gives advice to customers who encounter difficulties in traditional loan credit requirements, including providing the best loan type for specific customers and explaining their specific requirements and restrictions. Modern credit cooperatives are short of senior talents, especially high-quality credit cooperatives. The employment prospects are broad and the treatment is good.

2. Credit auditor's responsibilities: conduct credit investigation on loan customers and verify the authenticity of materials submitted by loan applicants. Check the identity of the applicant to prevent financial fraud. Collect other necessary documents and information to provide necessary basis for credit decision. Analyze the audit results. Other work arranged by superior supervisor.

1) Credit is a lending behavior between different owners that reflects a certain economic relationship. This is a special form of value movement based on redemption. It refers to a credit activity in which creditors lend money and debtors repay it on time and pay certain interest. (gain income by transferring the right to use funds). Credit is divided into broad credit and narrow credit. Credit in a broad sense refers to the general name of credit activities with banks as the intermediary and deposits and loans as the main body, including deposits, loans and settlement business. Credit in a narrow sense generally refers to bank loans, that is, the behavior of issuing monetary funds with banks as the main body.

2) Microfinance is a microfinance service for urban and rural low-income groups. It is an operating loan with individuals or families as the core, and its main service targets are individual industrial and commercial households, small workshops and small business owners. Microfinance aims to provide poor farmers or micro-enterprises with opportunities for self-employment and self-development through financial services, and promote their self-survival and development. This is not only the innovation of financial services, but also an important way to reduce poverty.