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After the borrower applies for a loan from the bank, the bank will investigate the borrower through the "three checks" on the loan. Many people may not know much about the "three checks" of bank loans. In fact, understanding the "three checks" of loans is also helpful for borrowers to handle loans themselves. Let's introduce you to the "three checks" of loans.

1. What are the "three checks" on bank loans?

The "three checks" of loans refer to pre-loan investigation, in-loan review and post-loan inspection.

Pre-loan investigation refers to the investigation of the basic situation of the loan applicant before the bank issues the loan, and makes a preliminary judgment on whether it meets the loan conditions and the amount of the loan that can be issued. The focus of the investigation mainly includes the applicant's credit status, business status, compliance and legality of the loan application, loan guarantee, etc.

Loan review refers to the examiner's verification and evaluation of the information provided by the investigators, retesting the loan risk, putting forward audit opinions, and performing the examination and approval procedures as required.

Post-loan inspection refers to the lender's follow-up investigation and inspection of the borrower's execution of the loan contract and the borrower's operation after the loan is issued. If it is found that the borrower fails to use the loan according to the specified purpose, which leads to an increase in loan risk, the loan may be recovered in advance or relevant preservation measures may be taken.

Two, bank loans, loans "three check" characteristics

1, seeking truth from facts

The loan "three investigations" are based on facts and truthfully state the investigation. There must be no statements that are inconsistent with the facts, and you must not copy the statements on the materials provided by the borrower without verification. The judgment of the borrower's business needs the support of relevant financial data. Under normal circumstances, we will try to avoid subjective judgments that are inconsistent with the facts.

2. Clear organization

According to the key points of each link and the characteristics of various credit customers, the "three investigations" of loans make the contents of the report clear.

3. Complete analysis

The "three investigations" on loans are thorough in analysis, clear in viewpoint and sufficient in demonstration. Not only simply list the data provided by the enterprise, but also state the superficial situation of the enterprise.

Third, the significance of the "three checks" principle of bank loans to lenders.

1. Implementing the "three checks" on loans will help banks fully understand and master the borrower's operating conditions and loan risks, discover potential risks in time, and take corresponding risk prevention and control measures to ensure the safety of bank credit funds.

2, the implementation of the loan "three checks" system, but also in the loan risk, the relevant responsible personnel for accountability or exemption of an important basis.

3. Strictly implementing the loan "three checks" system and ensuring the quality of "three checks" is the fundamental link to prevent new loan risks and the basic guarantee for timely and accurate early warning, mitigation or elimination of loan risks.

Through the explanation of the "three checks" on bank loans, I believe everyone knows how strict the bank will investigate itself after applying for loans. I also hope that all borrowers must provide their true information when applying for loans and apply for loans with a sincere heart.

What does the loan three check refer to?

The loan "three checks" system refers to pre-loan investigation, in-loan review and post-loan inspection.

Through the implementation of the "three checks" on loans, it is beneficial for lenders to fully understand and master the borrower's operating conditions and loan risks, discover potential risks in time, and take corresponding risk prevention and control measures to ensure the safety of bank credit funds. At the same time, the implementation of the loan "three checks" system is also an important basis for investigating or exempting relevant responsible personnel after loan risks appear.

The implementation of the loan "three checks" system;

Strictly implementing the "three checks" system and ensuring the quality of the "three checks" is the fundamental link to prevent new loan risks and the basic guarantee for timely and accurate early warning, mitigation or elimination of loan risks. [ 1]

(1) It is necessary to formulate a complete and clear flow chart, specifications and standards for the quality inspection of the "three inspections" of loans, so that the implementation of the "three inspections" of loans has paths and standards, and the implementation of the "three inspections" of loans has judgment basis and standards.

(2) Pre-loan investigation should focus on the authenticity management of loan information. The key to collecting, sorting, summarizing, analyzing and judging the borrower's relevant information is to verify the authenticity of the borrower's relevant information through effective ways and methods, so as to enhance the effectiveness of the loan review decision. At the same time, the pre-loan investigation should be carried out by two people, that is, at least two people should participate in the pre-loan investigation and jointly complete the pre-loan investigation report to improve the authenticity of the pre-loan investigation information.

(3) Loan review should focus on risk quantification, prevention and control management. It is necessary to quantify the influence of various contents on loan risk in a risk system way, demonstrate the degree of hidden risks in loan issuance, judge whether to grant loans according to the degree of risks, and choose appropriate loan methods, so as to change the loan decision from qualitative analysis to quantitative analysis and enhance the scientific rationality of loan decision. The key is to put the system of separation of examination and loan in place and strictly implement it; The loan examination and approval should implement the responsibility system of division of labor among members, so as to ensure the in-depth and meticulous work of loan examination and enhance the accuracy and fairness of loan examination.

(4) Post-loan inspection should focus on the early warning and disposal management of loan risk growth.

First, it is necessary to strengthen the rigidity of the post-loan follow-up inspection system, and the action, content and quality of post-loan inspection should be in place. For banks that fail in post-loan inspection, they should resolutely cancel their right to approve new loans.

Second, it is necessary to timely and accurately feed back the early warning information of loan risk growth.

Thirdly, according to the early warning information of loan risk, we should distinguish the various growth nodes of loan risk, take timely and decisive appropriate ways and measures to deal with loan risk, and improve the timeliness and effectiveness of loan risk treatment.

The fourth is to straighten out the relationship with the government, law enforcement departments and the People's Bank of China, and further improve the work effect of resolving the risks of new loans according to law.

What is loan inspection?

Hello! Hello, everyone. I'll explain to you what loan inspection is now. I think this problem must also be the focus of our attention. Well, before it's too late, please let me explain it in detail.

Loan inspection

Loan inspection means that when a borrower applies for a loan from a bank, the bank monitors the loan usage of the existing borrower and handles the problematic loan.

Its purpose is to directly reduce the loan risk, deal with problem loans and clean up the property of bankrupt borrowers. We can look at this problem from five o'clock.

I. Qualifications of the Borrower

Check whether there are loan conditions, and see its enterprise legal person, business license, etc. And through these to determine whether to borrow or not, and at the same time look at their hobbies, habits and so on.

Second, data analysis and collection.

Its content is to check the historical records of enterprises and the credit relationship with banks, especially whether there are any bad records.

Third, the reason for borrowing

It is the reason, purpose, plan of using money and so on. The above is the main content, and the basic conditions should be analyzed in detail.

Fourth, analysis and summary.

After the above steps, we will further analyze the situation, analyze specific problems and treat them differently, so as to determine the loan term.

Investigation report on verbs (abbreviation of verb)

Finally, the conclusion of lending and not lending is summarized, and qualified customers are turned into excellent customers of banks, becoming new growth points and minimizing risks. Based on the above steps, write a detailed investigation report before lending.

Finally, the conclusion of lending and not lending is summarized, and qualified customers are transformed into excellent customers of banks, which becomes a new growth point of bank profits and minimizes the risk of credit assets. Based on the above steps, write a detailed investigation report before lending. When the report comes out, you will know whether you can get the loan or not.

Finally, I have to say that a person's credit is really crucial. In the process of investigation, this credit problem is the key. If you have had a credit problem before, then this problem will accompany you for life. No matter where you are or what bank you are in the future, you will never ignore you, and it is certainly impossible to lend you a loan. Friendly reminder: lending is risky, so be careful!

So much for the introduction of loan inspection.