It can only be said that the status of bank credit approval is very high (it is difficult (if the loan is risky, the approver will be in trouble), and it will not make much money (of course, whether you dare to accept the gray source is different, but the risk coefficient is also very high, and it is easy for ordinary people to dare not accept it). There are several positions in the bank credit chain: account manager, branch manager (group leader) and credit review and loan approval post.
The account manager markets loan customers, accepts loan applications, and the branch president or team leader reviews them. Generally speaking, the head of a branch or group is obstructing. After the signature and approval of the branch president or group leader, this business will be submitted to the credit review post, which is responsible for the authenticity and management of the loan business, and he is the next post to promote the loan business. The credit review post is the key post to decide whether the loan can be released and how much it can be released. Although late credit approval is very important. Although the credit audit post is also an ordinary employee, it is mostly held by experienced account managers, and its core competitiveness is the post ability with low position but great power. If the prevention and control is too strict, the business volume will be reduced. If the prevention and control is too loose, non-performing loans will increase. How to identify real big risks, put an end to big risks and find small risks is a technical job.
With the gradual improvement of big data and logic systems of banks, the future trend is that most individual loan reviews will be conducted through electronic channels, and more complex companies and small enterprises will lend for a period of time. If they want to work in this circle, they will have a clear position.
"Bank Credit" is a textbook published by Xu Chongshe for finance majors in secondary vocational schools. It can also be used as a bank president and on-the-job staff, and can also be used as a must-read book for current or future staff.
Second, how do loan officers earn 2 million a year?
This depends on the commission of the loan, and the specific proportion depends on the local proportion.
Third, how do people who do bank credit make money privately?
You can make money in your spare time. There are still many ways to make quick money in your spare time. The article is well written. You can make money from writing from the media, or you can contribute to major platforms to make money. Those who have artistic cells, engage in video creation, send short videos, and others like to watch them to make money. Loan officers are only bank staff and can only act in accordance with bank regulations. The bank's profit mainly depends on the following three aspects: generally speaking, the bank's deposit interest rate is lower than its loan interest rate, that is, the cost of absorbing public deposits is lower than the income generated by lending to the public. The difference between them lies in the income generated by banks through deposit and loan business, which is the main source of income for banks. Banks also make profits through some intermediary businesses, such as small account fees, annual account fees and inter-bank transfers. Such income is generally the handling fee and settlement fee charged by the bank. At the same time, banks will also sell some wealth management products on a commission basis and charge a certain service fee, such as selling some funds on a commission basis. Previously, with the popularity of credit cards, it will also bring considerable income. The main sources are: annual fee for the first year, business card printing fee (replacement card), installment repayment fee and so on.
4. Can banks check personal credit information privately?
You can't.
Bank of China is unable to inquire.
Individuals can query their credit reports in two ways:
1, you can check with the credit management department of the People's Bank of China.
2. When applying for a credit card or loan, the bank will query in the basic database of personal credit information, and the individual will read his credit report.
Second, what are the conditions for personal credit loans?
Personal credit loan application conditions:
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by the bank.