Example of Post-Loan Inspection Report for Rural Credit Union Loans
Report on Post-Loan Inspection of ××× Loans
×× Rural Credit Cooperative Union:
It is hereby reported that, in accordance with the "Guarantee Law of the People's Republic of China*** and the State of China", the "Circular on the Operating Procedures for the Loan Operations of Rural Credit Unions of the Province of ××(for Trial Implementation)" and the "Operating Procedures for Loan Management of the × ×x County Rural Credit Union Loan Management Operating Procedures" and other relevant regulations, the borrower's use of the loan purpose, collateral and guarantor situation, the loan principal and interest repayment on time, the borrower's operation and management, the authenticity of the credit file information, completeness and the loan risk situation is analyzed, in order to be able to ensure that the credit union's funds are used correctly to prevent irregularities, Lvchun County Rural Credit and Cooperative Union The credit management personnel carried out a post-credit inspection on the operation of the funds of the loan applied for ×××× by xxxxx on xxxxx, xxxxx. After the credit team of x x x Credit Union conducted a comprehensive investigation into the feasibility, creditworthiness and conditions of its business project and reported it to the county federation for approval and consent, a mortgage-guaranteed loan in the amount of x x million yuan was issued to x x x x for a term of x x years on x x x x, x x x x, x x x x, x x x x x, x x x x x x. Guaranteed by ××××.
Two, loan checking
The borrower ×××× purchased a land in the new area of ×××× township in ××××, and now the house has been built. All the funds were fully utilized for the construction of the house. After the loan was issued the borrower failed to repay the loan principal on time, the guarantor x x x was the borrower's husband, the guarantee was invalid, the house was not timely registered for the mortgage after the title certificate after the house was built, the borrower's credit file was incomplete, and the credit staff of the x x x Credit Union did not carry out the post-credit tracking check.
Three, check and analyze
The annual family income of xxxxx is about x million yuan, xxxxx credit union credit managers did not carry out tracking checks on large loans, collateral guarantees have not been implemented, and credit file information is incomplete. Potential certain risk, Dashigou Credit Union did not check and analyze the loan, not palm the borrower's business income, five-level classification is still in the category of x x x, not reflecting the risk situation in a timely manner.
Fourth, inspection results
After this post-credit inspection, the inspectors believe that the income of x x x x store and x x x x is around x million yuan, and the loan funds are all used for x x x, and there are no irregularities in the utilization of the funds, and the loan funds are reasonably and correctly used. However, the credit file of the loan was incomplete. There is no mortgage registration, the borrower's first source of repayment is insufficient, and it is expected that the principal and interest of the loan cannot be recovered on schedule, so the loan is recognized as a subprime category.
How to check your credit report before taking out a loan
You can check your credit report in the following four ways: over-the-counter, self-service, commercial banks' online banking, and the Internet.
1, counter query
You need to bring: the original and copy of my valid ID; "personal credit report in person query application form".
Counter inquiries are limited to in-person inquiries. Valid documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao Resident's Permit for Traveling to and from the Mainland, Taiwan Compatriot's Permit for Traveling to and from the Mainland, and foreigner's residence permit.
2, self-service query
I self-service query need to bring: my second-generation ID card.
Self-help inquiry personal credit report business, limited to the person to handle, can only query each version once a day.
Self-service query machine can only recognize the second generation of ID cards, the use of other valid identity documents can be queried at the counter.
3. Commercial Bank Internet Banking Inquiry
If you have the Bank of Beijing's Internet Banking U-shield, you can log on to the Bank of Beijing's Internet Banking to apply for an inquiry of your personal credit report.
4, Internet inquiry
Log in to the personal credit report inquiry website, after successful registration and activation, you can check your credit report.
Credit inquiry methods:
1. Counter inquiry;
2. Self-service inquiry;
3. Commercial bank online banking inquiry;
4. Internet inquiry.
Kneeling for enterprise loan post-loan inspection (monitoring) report sample
Post-loan inspection report on the post-warning post-loan inspection report on ×× Limited Liability CompanyTime: 20:58, July 8, 2005×× Medical Equipment Limited Liability Company has a loan balance of 3 million yuan in the Bank,*** 1, all of which are medium-term working capital loans. Due to poor business governance and low operating income, our loan has been at risk, and the Bank raised a risk warning signal for the loan on October 13 of this year. According to the general rules of the loan and the relevant provisions of the post-loan risk management, my department on November 30, 2003 on the company's post-loan related situation of the inspection, the specific inspection report is as follows: First, the basic situation of × × × medical equipment limited liability company was established in March 2000, the company's enterprise type for limited liability companies, the registered capital of 600,000 yuan yuan, the contributors * * * 2 people, which Legal representative FuMouMou, capitalization of 400,000 yuan, accounting for 67% of the registered capital, ZhouMou capitalization of 200,000 yuan, accounting for 33% of the registered capital, the two are husband and wife. The company's business scope to the human body disease *** vibration imaging examination, business medical equipment. The company in August 2000 in our bank loan 3 million yuan, for the purchase of *** vibration instrument. Second, the operation and financial situation of the company and a certain city hospital co-operation, business premises in a certain city hospital on the first floor, for the patient *** vibration imaging examination, due to the price of charges, and the city hospital CT competition and other factors, do into the image of the examination of the patient is not much, the enterprise business efficiency is not good, the current year from January to September only realized income of 200,000 yuan. As of the end of September this year, the total assets of the enterprise book was 5.33 million yuan, including current assets of 130,000 yuan, fixed assets of 5.2 million yuan, total liabilities of 3.21 million yuan, of which 210,000 yuan of current liabilities, long-term liabilities of 3 million yuan (3 million yuan of borrowing from the Bank), gearing ratio of 60%, the current ratio of 62%, owner's equity of 2.12 million yuan. Because the company has basically ceased operation after September, the financial data at the end of September is used. Third, the loan situation of the enterprise credit rating for the A grade, the maximum credit amount of 3 million yuan, as of now the enterprise in our bank loan balance of 3 million yuan, due to poor business operations, the inability to repay our bank loans, has been in this year on August 20, rollover, loans with machinery and equipment *** vibration instrument as collateral, collateral value of 5.22 million yuan, mortgage rate of 54%. Fourth, there are problems (risk warning reasons) (a) the enterprise into operation has been more than three years, the equipment has not been fully depreciated (according to the normal method of depreciation of equipment, eight years of depreciation, depreciation should be 2 million yuan, the actual depreciation of 900,000 yuan), resulting in a serious latent loss of the enterprise (b) the enterprise collaterals for the special equipment, more specialized, faster replacement, poor liquidity. (iii) The enterprise has been earning less income, the principal has not been repaid and it is difficult to pay interest, and it has owed interest for two periods. (d) The investor and operator are separated, and there are often tug-of-war phenomena in the operation and governance, which adversely affects the repayment of principal and interest on the loan. In summary, the Bank on October 13, this year, the enterprise loan of 3 million yuan put forward risk warning signals, and formulated the relevant risk warning disposal measures. V. Disposal program with the enterprise's legal representative and the treasurer to communicate, combined with the relevant policies and legal propaganda, the use of the Bank's overall attack, and the enterprise to reach a *** knowledge, for the Bank's proposed disposal of collateral to repay the principal and interest of the loan and other related issues, the enterprise agreed to pay back the interest owed as soon as possible, and agreed to dispose of the loan collateral to repay the loan to our Bank, is expected to be January 2004 can be operated out. Customer a customer department manager: account manager (group) Add: There is also this, you see for yourself.
How to write a good personal consolidation loan investigation report
The process of formal banking is: first, the borrower needs to submit to the bank in addition to ID cards a series of materials, including
(1) Loan Application Approval Form; (the lender in the lending institution to fill out the form directly)
(2) residential address Proof; (certificate issued by the neighborhood committee or invoices for utility payments)
(3) Proof of work and income;
(4) Other documents specified by the bank.
Secondly, after the bank passes the examination and approval of the application information submitted by the borrower, both parties sign the loan contract.
Finally, the bank disburses the loan to the borrower by transfer.
Bank loan audit report?
Any bank loan requires the lender to have the ability to repay the loan, generally speaking, there are corresponding collateral (home equity, cars, machinery and equipment, etc.), but only these can not, the bank also need to examine whether the company has the corresponding ability to repay the actual, then in order to avoid the risk of the bank needs to be for the company's overall actual business situation do a The company's audit report is a detailed mapping of the company's actual business situation, so it will require the company to issue a corresponding loan audit report.
After the actual allocation of the company also needs to use the funds for special audits, not that the money from the bank even after the completion, if you borrow money from the bank did not do you in the report of the things the bank can immediately recover the loan, here to remind the company wants to misappropriation of bank loans, the consequences of doing so are very serious.
This loan audit report, as well as the special audit report you need to do after that is a means used by banks to avoid their own risks. This presupposes that you need to meet the appropriate conditions of the company in the previous loan audit first before you can do so.
Do you need a post loan inspection report for a mortgage loan
Yes, you do.
The basic process of a mortgage loan is as follows:
Site visit:
Creditors, intermediary institutions, appraisers, buyers and sellers to the site of the house applying for a mortgage loan to the house site survey;
Title verification;
Title holders and **** entitled person (seller) to the Housing Authority with the original ID card and the original real estate license to hand in the The original ID card and the original real estate certificate, to verify and go through the relevant procedures;
Signing the contract:
The bank carefully checks and verifies the customer's original information, identifies the authenticity of all signatories, supervises the customer's signing, collects the original real estate certificate and the deposit (the specific amount to be determined by the buyer and the seller), makes copies of the information, and reminds the two parties to handle the account in the bank;
Completing the Contract:
The bank organizes the information according to the relevant information provided by the customer, fill in the contract;
Payment obligation:
The bank collects the fee pre-approval, notify the customer to pay the fee;
Title transfer:
The buyer and seller in the Housing Authority for the help of the property rights of property rights of the transfer formalities; the lender prepares the relevant materials to the bank for mortgage formalities;
The bank lends money.
This is the end of the introduction of the personal loan special inspection report and personal loan self-inspection, I do not know if you find the information you need from it?