I. [Course Background]
At present, the development of consumer credit is in full swing, and it has become a "propellant" for the growth of banking business. However, there are many risks and problems in personal consumption credit, which has become a "trap" for non-performing loans of banks and is also facing strict supervision. How to achieve legal compliance and improve asset quality is a realistic and urgent problem.
Two. [Teaching duration]
This course lasts for one day (6 hours).
Three. Teaching object]
Senior managers and consumer finance practitioners of financial institutions such as commercial banks and consumer finance companies.
Verb (abbreviation of verb) [course characteristics]
1. Unique professional advantages: Mr. Zhang is a senior professional financial lawyer with profound legal knowledge and rich practical experience. His legal training is targeted and practical.
2. Unique lecture skills and style: Mr. Zhang doesn't talk about theories and cases, terminology and spoken English. He makes theoretical cases, case stories, story plots and actual plots, pays attention to details and wins with unique skills; Courseware and cases are carefully designed, with clever logic, and legal knowledge is integrated into social phenomena; The lecture style is lively and interesting, entertaining and entertaining; Explain the law in a simple way, so that students can understand and listen; By combining words, pictures, audio and video, interaction, etc. Fully mobilize students to actively participate in the interaction and feel on the spot. The classroom atmosphere is relaxed and lively, which breaks the rigid model of pure theory and achieves good results.
Intransitive verb [trained client]
Shandong Dezhou Banking Association, Liaocheng Banking Association, Rizhao Banking Association, Gansu Linxia Banking Association, Ningxia Shizuishan Banking Association, Anhui Bengbu Banking Association, Henan Luoyang Banking Association, Industrial Bank, China CITIC Bank, Bank of Beijing, bank of tianjin, Puyang Agricultural Bank, Dingxi Industrial and Commercial Bank, Shijiazhuang Huaxia Bank, Huai 'an Postal Savings Bank, bank of qinghai, Jilin Bank, Jiangxi Bianhe, Heilongjiang Postal Savings Bank System; More than 200 rural commercial banks or rural credit cooperatives in Shandong, Shaanxi, Qinghai, Jilin, Gansu, Henan, Jiangsu, Guangxi, Fujian, Sichuan, Hunan, Anhui, Shanghai, Guangdong, Heilongjiang, Inner Mongolia and Xinjiang.
Seven. [syllabus]
The first part is an overview of personal consumption loan management.
First, the definition of personal consumption loans
Two. Personal consumption loan object
Three. Prerequisites for applying for personal consumption loans
Fourth, the role of personal consumption loans.
Verb (abbreviation of verb) The development status of personal consumption loans
The second part is the classification, characteristics and application conditions of personal consumption loans.
I. Personal housing loans
Two. Personal comprehensive consumption loan
(A) individual housing renovation loans
(2) Personal loans for durable consumer goods
(3) Personal automobile consumption loan
(4) individual student loans
(5) Personal travel loans
(6) Personal pledge loan
(7) Credit card consumption loans
Three. Prohibited uses of personal consumption loans:
The third part is the legal risk prevention of personal consumption credit.
I. Types of personal consumption credit risks
(1) Credit risk
Case study:
(B) the borrower's solvency risk
Case study:
(3) Fraud risk
Case study:
(4) Risk of collateral (warrant)
Case study:
(5) Legal risks
Case study:
(6) Interest rate risk
Case study:
(7) Liquidity risk, etc.
Case study:
Second, the reasons for personal consumption credit risk
(1) The relevant certificates issued in the loan application are not true.
Case study:
(B) the lack of a sound personal credit system.
(3) The laws related to consumer loans are not perfect.
Three. Measures to prevent legal risks of personal consumption loans
(a) gradually establish and improve the personal credit information system and related systems of the whole society;
(2) Establish a scientific personal credit evaluation system;
(3) Establish an internal consumer credit risk management system.
(four) to further improve the consumer loan guarantee system;
(5) Realizing the securitization of consumer loans and dispersing the risk of consumer credit.
Three. Supervision content and latest development of banking supervision institutions
1. Interpretation of China Banking Regulatory Commission General Office (20 13) No.261"Legal Risk Prevention of Personal Consumption Loan Management"
Two. 20 17 latest regulatory trends and requirements of personal consumption loans
Case study:
Note: The above contents are regular course contents. In case analysis, it is necessary to draw inferences from others, integrate knowledge, and add relevant legal knowledge and lawyer's case handling practice. The content can be adjusted according to needs, time and site conditions.
Teacher Zhang, senior financial lawyer and bank legal adviser.
Senior research fellow, Boya think tank, Peking University
Legal expert of agricultural think tank
Director of China Lecturer Association
Director of China Association of Wealth Inheritance Managers
Lawyer Zhang has been engaged in financial legal business for a long time, handled a large number of litigation and non-litigation cases, and has rich experience in judicial practice. Long-term commitment to the research and training on prevention and control of various legal risks in banks, providing banks with all-round training courses on prevention and control of legal risks, helping banks identify legal risks, prevent them as early as possible and put an end to losses. There are hundreds of lectures and tens of thousands of trainings every year, which have won wide recognition and praise.
[Lecture course]
Notice on risk warning in the field of personal consumption loans
Legal risks of bank credit business
Protection of Banking Financial Consumer Rights and Interests
Compliance management of banks and prevention and collection of non-performing assets
Prevention and control of bank cases and prevention of legal risks
The influence of civil code on bank credit business and its application
The influence and use of 0030 10 on banking business "
Related questions and answers: