How to take out a loan specific process

A. How to get a loan? The specific process

En, it is recommended to go to the credit union loan. If you have acquaintances, you can bring more `

Two, a brief description of the basic credit process of the loan under the new rules of the loan.

Despite the fact that the varieties of credit operations specified in the new regulations on loans are not intrinsic, essential, **** the same management process is essentially a process of risk avoidance and benefit acquisition to ensure the safety, liquidity, and profitability of credit funds. Each credit business is exposed to a number of risks, the basic operation process is to pass, implement the purpose of the benefits through the established operating procedures. Generally speaking, a loan management process is divided into nine links: loan application → acceptance of the investigation → risk evaluation → loan approval → contract signing → loan disbursement → loan payment → loan

1, loan application, the borrower requested the way and content of the loan application, and abide by the principle of honesty and trustworthiness, commitment to the materials provided by the true, complete and effective. The basic content of the application usually includes: the borrower's name, nature of the enterprise, business scope, the way to apply for a loan, spending plan, debt repayment plan, etc., and according to the requirements of the lender to provide other relevant

2, acceptance of the investigation, the bank received the borrower's application for a loan, the bank should be in charge of customer relationship management by the credit officer using an effective way to collect information about the borrower's qualifications, creditworthiness, financial condition, operating conditions and other investigations, Investigation and analysis of the borrower's qualifications, creditworthiness, financial condition, business situation, etc., and assess the ability to pay interest: at the same time, the creditworthiness of the guarantor should also be analyzed and analyze its ownership status, market value, and the ability to realize the preliminary negotiations. The credit officer based on the content of the investigation to write a written report, put forward the conclusion of the investigation and credit opinion.

3, risk evaluation, bank credit officers will be the bank approval department, by examining the loan information for a comprehensive risk evaluation, set quantitative or qualitative indicators and standards, review of borrowing, comprehensive evaluation of risk factors. Risk evaluation is subordinate to the loan decision-making process, is one of the key links in the whole process of loan management.

4, loan approval, the bank should be in accordance with the "review of the credit score on the investment of credit funds, the amount of content and conditions of the final decision-making, signing the approval at each level.

5, contract signing, contract signing emphasizes the principle of commitment to the agreement. Borrowing application is examined and approved, the bank and the borrower should *** with the signing of a written loan contract, as a clear borrower and lender rights and obligations of the bracketed amount, period, interest rate, type of borrowing, purpose, payment, and other elements and related details. For guaranteed secured loans, the bank is also required with the guarantee with; for pledge secured loans, the bank also contract, and for registration and other relevant laws

6, loan issuance, strong lenders should set up an independent department of responsibility or audit. Lenders should confirm that the borrower meets the contractual withdrawal conditions before the issuance of loans, and in accordance with the contractual agreement on the payment of loan funds to implement the management and control, supervision of loan funds

7, loan payment, lenders should set up an independent department of responsibility or position responsible for the loan fiduciary payment, the lender should review the transaction information through the loan funds through the borrower's transaction object. The use of the borrower's regular summary report of loan fund disbursement, and verification of the loan through inspection, on-site investigation

8, post-loan management, post-loan management is the bank in the situation and the borrower's business management to check. Its main content includes monitoring the borrower's use of loans, tracking the financial situation of enterprises and their solvency, check the loan collateral and other three aspects. Its main purpose is to urge the borrower according to the contract about the discovery and take effective measures to correct and deal with problematic loans, and loan investigation, review and approval of information feedback, timely adjustment of the strategy and content of cooperation with the borrower.

9, recovery and disposal, loan recovery and disposal is directly related to the realization of the expected returns of commercial banks and the safety of credit funds, loans due to return the full amount of principal and interest according to the contract, is the borrower to perform the loan contract, to maintain the rights and interests of all parties involved in the credit relationship of the basic requirements. Banks should prompt borrowers in advance to repay the principal and interest on maturity; for loans that need to be rolled over, lenders should prudently assess the reasonableness and feasibility of the rollover, scientifically determine the rollover period, and strengthen the management of the rollover period; for loans that can not be repaid on maturity due to the temporary operational difficulties of the borrower, lenders may negotiate with the borrower for loan restructuring; for non-performing loans, lenders should write off or preserve the disposal in accordance with the relevant regulations and methods.

Three, the basic process of credit business should follow the basic principles?

Credit principles, the basic norms that must be followed by the socialist state banks in the handling of loan business and the basic requirements for borrowers. The principle of credit is based on the characteristics of the socialist planned commodity economy and the inherent requirements of the law of credit fund movement, reflecting the consistency of the interests of the state, the bank and the borrower.

Four, briefly describe the basic credit process of loans under the new rules of loans.

Despite the fact that the new regulations on loans provide for different varieties of credit business, the object is different, but all have their intrinsic, essential, **** the same management process. Scientific and reasonable credit business management process is essentially the process of avoiding risks and obtaining benefits to ensure the safety, liquidity and profitability of credit funds. Each credit business is exposed to many risks, the basic operating process is to achieve the purpose of risk prevention and implementation of benefits through the established operating procedures, through each link of the layers of control. Generally speaking, a loan management process is divided into nine links: loan application → acceptance of the investigation → risk assessment → loan approval → contract signing → loan disbursement → loan payment → post-credit management → recovery and disposal. 1, loan application, the borrower needs to use the loan funds, should be in accordance with the requirements of the lender's way and content of the loan application and abide by the principle of honesty and trustworthiness, the commitment to provide the materials of the true, complete, Effective. The basic content of the application usually includes: the name of the borrower, the nature of the enterprise, the scope of business, the type of loan applied for, the term, amount, mode, purpose, spending plan, debt repayment plan, etc., and according to the requirements of the lender to provide other relevant information. 2, acceptance of the investigation, the bank in receipt of the borrower's application for a loan, the bank should be in charge of the customer relationship management of the creditors to use an effective way to collect the borrower's information on its qualifications, creditworthiness, financial status, financial situation, and the quality of the borrower's creditworthiness. Qualification, credit status, financial status, business situation, etc. to investigate and analyze, assess the credit rating, assess the benefits of the project and the ability to repay interest: at the same time should also analyze the creditworthiness and financial status of the guarantor, if it involves collateral must also analyze the ownership status, market value, the ability to liquidate, etc., and on the specific credit terms of the preliminary negotiations. Credit officers based on the content of the investigation to write a written report, put forward the investigation conclusions and credit opinions. 3, risk evaluation, bank credit officers will be the investigation conclusions and preliminary loan opinions submitted to the bank's approval department, the approval department of the pre-credit investigation report and the loan information for a comprehensive risk evaluation, set quantitative or qualitative indicators and standards, the borrower's situation, sources of repayment, guarantees, etc., to carry out a review, a comprehensive evaluation of the Risk factors. Risk evaluation is subordinate to the loan decision-making process, which is one of the key links in the whole process of loan management.4. Loan approval, the bank should follow the principle of "separation of audit and loan, hierarchical approval" for the final decision-making on the direction of the credit funds, the amount of money, the term, the interest rate, and other loan content and conditions, and sign the approval opinions at each level.5. Contract signing, The signing of contract emphasizes the principle of agreement and commitment. After the examination and approval of the loan application, the bank and the borrower should **** with the signing of a written loan contract, as a clear borrower and lender the rights and obligations of the legal documents. Its basic content should include the amount, duration, interest rate, type of loan, purpose, payment, repayment guarantee and risk disposal and other elements and relevant details. For guaranteed secured loans, banks are also required to sign a written guarantee contract with the guarantor; for pledge secured loans, banks are also required to sign a pledge guarantee contract and go through registration and other relevant legal procedures.6 Loan disbursement, emphasizing the separation of loans and disbursement, and actual payment of loans. Lenders shall set up independent responsible departments or positions for loan disbursement review. The lender shall confirm that the borrower meets the withdrawal conditions agreed in the contract before loan disbursement, and implement management and control of the payment of loan funds in accordance with the contract, and supervise the use of the loan funds for the agreed purposes.7. Loan Payment. The lender shall set up an independent responsible department or post responsible for the loan payment audit and payment operation. Adopting the lender's entrusted payment, the lender shall audit whether the transaction information is in line with the agreed conditions of the contract. After the audit is approved, the loan funds shall be paid to the borrower through the borrower's account to the borrower's trading object. If the borrower's payment method is adopted, the lender shall require the borrower to report the payment of loan funds in summary on a regular basis and verify whether the loan payment is in line with the agreed purpose through account analysis, voucher checking and on-site investigation, etc. 8. Post-credit management, post-credit management, post-credit management, is the credit management behavior of the bank that examines or monitors the implementation of the contract and the operation and management of the borrower after the issuance of the loan. Its main content includes supervising the borrower's use of the loan, tracking the financial situation of the enterprise and its solvency, checking the integrity of the loan collateral and security interests and other three aspects. Its main purpose is to urge the borrower to use the loan reasonably according to the contractual purpose, timely detection and take effective measures to correct and deal with problematic loans, and loan investigation, review and approval of the work of the information feedback, and timely adjustment of the strategy and content of cooperation with the borrower. 9, the recovery and disposal of the loan recovery and disposal of the loan is directly related to the realization of the expected returns of the commercial bank and the safety of credit funds, the loan is due to return the principal and interest in full in accordance with the contractual agreement, the loan is due to return the principal and interest in full. The full return of principal and interest as agreed in the contract is the basic requirement for the borrower to fulfill the loan contract and maintain the rights and interests of all parties involved in the credit relationship. Banks should prompt borrowers in advance to repay the principal and interest on maturity; for loans that need to be rolled over, lenders should prudently assess the reasonableness and feasibility of the rollover, scientifically determine the rollover period, and strengthen the management of the rollover period; for loans that can not be repaid on maturity due to the temporary operational difficulties of the borrower, lenders may negotiate with the borrower for loan restructuring; for non-performing loans, the lender should be disposed of by way of write-offs or preservation in accordance with the relevant provisions and modalities.