First, the main points of the loan preliminary examination
Credit business is a very process-oriented work. The credit business department enters the loan approval stage after completing the loan application, acceptance and field investigation in the early stage. In the stage of loan examination and approval, credit institutions will generally set up a special examination post to conduct a preliminary examination of the borrower's information, and only after the preliminary examination is completed will they go to the loan examination Committee for deliberation. (This is a general process design, and different companies may have some differences based on different business types. )
As far as the preliminary examination is concerned, taking a small loan company as an example, the business department is responsible for the loan application, acceptance and field investigation in the early stage. According to the business process, after the business department completes the on-the-spot investigation before lending, when the person in charge of the business department submits the loan to the review post for review in the credit system, it is necessary to submit the paper documents and video materials to the review post at the same time, and the review post will first review the borrower's information and situation. It is a very important step for the audit post to audit the compliance, authenticity and integrity of the borrower's information, and the staff of the audit post must take it seriously.
The key points of post evaluation mainly include:
1, data review
Review whether the relevant information of the applicant is complete, whether the content is complete, and whether the application form and loan contract conform to the specifications;
Different types of products require customers to provide different information. As an audit post, it is necessary to audit whether the borrower's information is complete according to the requirements of different products. For the application form, loan contract and other documents that need to be filled in and signed by the borrower, it is necessary to check whether the filling meets the requirements of the company, whether the handwriting is clear and easy to read, and whether there is any omission.
2. Review of access conditions
The audit post needs to audit whether the borrower meets the company's access conditions according to the company's requirements for different products. Among them, the key points that need to be paid attention to are: confirming the authenticity of the borrower's identity, whether the industry is restricted or prohibited, whether the loan project has policy and compliance risks, whether the age meets the access conditions, whether the industry is an access industry, whether there are bad credit records, social reputation, moral conduct, etc., whether there is a clear loan purpose and whether it is used.
For example, when we are doing the full mortgage business of automobiles, the customer access conditions are as follows:
Attachment 1: Entry Conditions for Full-payment Vehicle Mortgage Business
1,/kloc-a natural person with full civil capacity from 0/8 to 60 years old;
2, good credit status, a fixed occupation or normal operation, a predictable source of repayment;
3. There is a clear loan purpose, and the loan purpose is reasonable and legal;
4. There are local accounts, and foreign accounts need to live and work in this city for a long time;
5. The borrower is the owner of the vehicle;
6. The vehicle license is a local license;
7. The vehicle is within 5 years, and the model can be a car or a commercial vehicle;
8. Registration certificate, driving license, driver's license, insurance policy, spare key, etc. Is complete;
9. Buy a car for more than 3 months (be cautious within 3 months).
Note: The above access conditions are for reference. Due to the different risk preferences of lending institutions and local conditions, lending institutions engaged in car loan business can make adjustments on the above basis according to their own conditions.
Annex 2: Import ban (unacceptable)
1,1under 8 years old (exclusive), or over 60 years old (exclusive);
2. There is no clear loan purpose or the loan purpose does not meet the company's loan regulations;
3. Failing to provide the corresponding information truthfully and completely as required by the company;
4. Provide false certification materials, such as false business license, lease contract, purchase and sale contract, property right certificate, bank current account, guarantor's income certificate, etc. ;
5. Having a bad credit record;
6. The vehicle belongs to a vehicle that has had a major accident;
7. Persons with criminal records, reeducation through labor, reeducation through labor, released from prison, etc.
8. Employees in vehicle modification, used car maintenance and car loan industry;
9. Other circumstances.
Note: The above information is for reference. Due to the different risk preferences of lending institutions and local conditions, lending institutions engaged in car loan business can make adjustments on the above basis according to their own conditions.
(3) Check whether the investigation report is completely filled in as required, whether the calculation of key financial indicators is accurate, whether the data acquisition method is explained, whether it is cross-verified, whether the contents before and after are logical, whether the rating in the customer's credit rating table is reasonable, whether the credit scheme in the investigation report is reasonable, whether the loan amount, term, interest rate, guarantee method and repayment method are suitable for the actual situation of customers, and whether the credit rating table and the investigation report are signed and confirmed;
(4) Examining the reliability and stability of the applicant's main income sources, main business risks and the guarantor's guarantee ability;
(5) Review whether the loan officer has fulfilled the duty of on-site investigation as required, whether the loan officer and the applicant are related parties, whether the credit investigation opinions are objective and detailed, and whether they are operated according to the company's business process.
If any unqualified place is found, it should be returned to the loan officer, who will supplement the corresponding materials or refuse to lend according to the audit opinion.
Second, about the nuclear
In the preliminary examination of the borrower's information, the review post shall verify the basic information of the loan application and investigation with the borrower, the borrower's family and the guarantor by telephone for each loan. This verification process is generally called electrical verification in the industry. In order to prevent moral hazard of employees, in addition to auditing posts, a certain proportion of businesses should be audited on the spot. The company shall formulate the selection rules for spot check business. The basic principle is that it cannot be recommended by loan officers, and it can be determined by combining random sampling with decision-maker designation, but it is necessary to ensure that the scope of review can cover all loan officers within a certain period of time. In the process of on-site review, we should focus on solving doubts and doubts, and pay attention to the authenticity of business projects, the rationality and authenticity of loan purposes, and the accuracy of business data.
1, network core in front of battery.
Before the electronic audit, the audit post should conduct online audit on the basis of reviewing the materials handed over by the business department. The main methods are Baidu and GOOGLE to search according to the key words of customer's name, company, mobile phone number and related information, such as name+judgment, name+overdue, name+blacklist, name+loan, name+company name, name+dispute, name of company and affiliated company, name+dispute. Inquire about the borrower's corporate website, personal website, corporate blog, personal blog, corporate Weibo, personal Weibo (if any), the national corporate credit information publicity system of the State Administration for Industry and Commerce, the websites of the industrial and commercial bureaus of various provinces and cities, the national organization code management center of credit network, the information inquiry system of the national courts in the Supreme People's Court, the information inquiry system of the list of the untrustworthy executors of the national courts in the Supreme People's Court, and the national citizen ID number inquiry service center.
2, nuclear points and matters needing attention
1. Electronic nuclear objects and speech
◆ Nuclear borrower
You can ask the information in the relevant materials of the borrower and the problems found in the preliminary examination, such as the borrower's name, family members (names and information of spouse, parents and children), whether you know the contact person, loan purpose, income, home address, assets, liabilities, guarantee, telephone number, what buildings are around the unit, etc.
Basic speech
Hello, is this Mr. Zhang Moumou? I am a business person of a small loan company. Your loan application in this company has been submitted to our department. Now I have some related questions that need to be further verified with you.
How much is your application? What is the purpose of this loan? What company do you work for now? What is your current monthly income? Do you know Liu Moumou (left contact)? What is Liu's relationship with you? Can you tell me something about your property (vehicle)? Why don't you tell us about your debt? Tell me about your main upstream and downstream customers? (Other questions are omitted)
Note: In addition to asking some basic questions, you must combine the doubts and problems (including the core of the net) found in the previous review to ask questions.
For example, if we find that the client has undisclosed information about the executed person on the information inquiry platform of the executed person, we can ask it when checking the right.
Q: Do you know Liu Moumou (application executor)? See if the borrower has truthfully disclosed it, and if so, ask him why he concealed it when submitting the information. If he says he doesn't know, we'll ask him about the execution. For example, we can ask him this question: We found out that Liu took you as the respondent and filed an enforcement lawsuit in Chaoyang District Court of Beijing, with the case number of ××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××
In addition, if we find that the borrower (natural person) is suspected to be a shareholder of a company and serves as the legal representative through online inquiry of industrial and commercial information during online audit, but the borrower has not disclosed it, we can ask:
Q: Besides being a shareholder of a company, have you ever invested in other companies or served as their legal representatives?
◆ Nuclear family members
Hello, is this XXX? I am a salesman of a small loan company. Do you know Zhang Moumou? Zhang Moumou applied for a loan of 500,000 yuan in our company, and left your phone number for verification of relevant information. I have some questions to check with you now.
Zhang Moumou's relationship with you? A: It's my son. Do you know his current address (house number)? Is your son's current residence bought or rented? What is your son's current marital status? If you are married, you can ask your children where you go to school. Do you know anything about his work? Can you tell me the name and address of his company? How long has he worked in the company? Have you heard what business he is doing recently? (According to the borrower's loan purpose) If the borrower is a foreigner, do you need to ask when you came to this area?
If it is the borrower's spouse, it is also necessary to ask him if he knows about the loan, whether he knows the purpose of the loan and whether he supports the loan.
◆ When nuclear power units and colleagues
Hello, is this XXX? I am a salesman of a small loan company. Do you know Zhang Moumou? Zhang Moumou applied for a loan of 500,000 yuan in our company, and left your phone number for verification of relevant information. I want to know something about him now.
Examiners can verify the company's name and address, the company's operating years and main business, the number of employees and the industry; The borrower's working years, position and income in the unit, etc.
◆ Electric nuclear friend time
Hello, is this XXX? I am a salesman of a small loan company. Do you know Zhang Moumou? Zhang Moumou applied for a loan of 500,000 yuan in our company, and left your phone number for verification of relevant information. I want to know something about him now.
What's the relationship between Zhang Moumou and you? How long have you known each other? What is the borrower's family and marital status? Married, asking about the status of spouse and children? What occupation does the borrower engage in? What is the borrower's asset status? What are the interests of borrowers? Whether there is economic contact with the borrower (whether to do business, whether to cooperate with partners, whether to borrow money, etc.) ).
(In specific business, credit institutions should have different nuclear priorities according to specific business types, such as mortgage and car loan, and should focus on verifying the situation of houses and cars. )
2. Other preventive measures
◆ Pay attention to the way of asking questions
There are two basic ways to ask questions: closed and open. The review post shall, in combination with the information submitted by customers and the network audit, adopt appropriate methods to check the borrower.
As far as closed questions are concerned, customers can only answer "yes" or "no" to such questions. Are you Mr Zhang Moumou? Are you the legal representative of a company? Is your father called Zhang San? Do you work in a company? Do you work as an engineer in a company? For this kind of question, the borrower can only answer yes or no, the customer is easy to cooperate, and it is not easy to cause the borrower's disgust, and the borrower's cooperation degree is generally high. However, it should be noted that such questions should not only be combined with the data and information provided by customers, but also effectively use the information we obtained through the network core or other channels to ask customers. Because this kind of problem has attached some information to the problem, the borrower can get some information from the problem, which has certain limitations. Pay attention to the customer's response attitude and timeliness.
As far as open-ended questions are concerned, respondents need to answer the questions in the pipeline in detail. What's your ID number? What is the purpose of your loan? What is the name of your work unit? What is your monthly income? Can you tell me your home address?
In the open-ended question, the borrower can't get the relevant information from the question, so the borrower needs to answer according to the specific situation. Examiners can compare customers' answers with the information they already know, so as to confirm the authenticity of the information, which is also the specific application of cross-checking in credit business. However, if there are too many such inquiries, it is easy to arouse customers' resentment and may even refuse to cooperate with nuclear power.
It is suggested that the examiner should design questions and ways of asking questions according to the specific situation of customers and the situation of network core. In the process of asking questions, it is better to use closed-ended questions and open-ended questions alternately according to different questions and customers' reactions. In addition, according to the customer's reaction, the way of asking questions should be adjusted flexibly in time.
◆ Pay attention to questioning skills and nuclear etiquette.
Some tips can be used in the electricity audit, such as trial and error questioning method (deliberately misreporting some information in the problem), changing identity questioning method (the examiner hides his identity and chooses other identities to verify the borrower's information, which should be used with caution), secondary electricity audit (calling twice to verify important issues) and so on.
In addition to these skills, the examiner should also pay attention to learning the basic etiquette of nuclear power. When conducting nuclear power, you should wear WeChat (your smiling customers can hear you), use standard words, standard words, no idioms and rude words, articulate clearly, pay attention to tone and volume, speed of speech, communication skills, give appropriate responses to customers' answers, and pay attention to controlling the direction and rhythm of nuclear power.
After reviewing the materials in writing, online and electronically, the audit staff will judge the compliance, authenticity and completeness of the loan materials, and it is necessary to focus on whether the customers are suspected of fraudulent loans and whether the employees have moral hazard. After the review post completes the review, the review post needs to sign the review opinions on the compliance, authenticity and completeness of the loan data and the results of the electricity audit on the loan review opinion form. The review post is responsible for reviewing the compliance, authenticity and integrity of the loan application. For qualified businesses, they can be submitted for approval. The unqualified business must be returned to the loan officer, who will supplement the corresponding materials or refuse to lend according to the audit opinion.