I. What are the contents of credit investigation in the credit business of commercial banks?
Guarantees and other circumstances for systematic investigation; credit review is in the issuance of loans, after the loan investigators to carry out a detailed pre-credit investigation to the audit department to provide the borrower to apply for borrowing of relevant information and investigation reports and other documents, and then by ...
2. What does a bank credit department do?
Bank credit department as the name implies is the management of credit department, its task is to obtain the enterprise's deposits, audit and issuance of loans to enterprises, the credit department employees generally called credit officer, or called project manager, different lines called different, each person is responsible for a number of enterprises (or units), they have to be familiar with the operation of the enterprise and the financial situation, to grasp the use of the enterprise loan situation, if you go to the internship. If you go to the internship, the creditors are teachers, he (she) they should teach you to understand the enterprise's financial statements, to be able to analyze the business situation and financial situation, but also should go to the enterprise to understand the real situation of the enterprise on the ground, most of the time the creditors should be outside the run, rather than sitting in the office, they are required to have a relatively strong ability to analyze the ability of public relations and good at dealing with people. The company's business is a good one," he said.
The ratio of boys to girls is not specified, but depends mainly on ability. The credit department is a key department for banks to make profits, and the requirements for personnel are relatively high. As for the time of internship, they should go to work, that is, they should go from Monday to Friday.
Three, what are the contents of credit investigation in the credit business of commercial banks?
Credit is the embodiment of a certain economic relationship between the different owners of the lending behavior, is the repayment as a condition of the value of the movement of the special form, is the creditor lending loan money, the debtor on schedule to repay and pay a certain amount of interest on credit activities. (By transferring the right to use the funds to obtain income) credit funds characteristics: 1, repayment; 2, proliferation of the meaning of credit three sex: 1, effectiveness (goal) 2, security (conditions) 3, liquidity (basis) the basic original basis of the loan: effectiveness, liquidity, security loan five elements: amount, mode, purpose, term, interest rate amount: the borrower to the financial institution for use, and agreed by the lender Amount issued. Loan Methods: 1: Secured Loan (most commonly used) Mortgage, Guarantee, Pledge (note that guarantee ≠ guarantee) Mortgage-guaranteed loan is: a loan that is issued with the borrower or a third party not transferring possession of the property, and using the property as a guarantee for the claim. Bank short-term credit market refers to banks and other financial institutions to customers for short-term credit business. Banks' short-term loans to industrial and commercial enterprises are mainly to solve the seasonal and clinical short-term liquidity needs of enterprises, so banks pay more attention to the safety of funds and thus reduce risks when providing short-term credit. In order to ensure that the loan can be recovered on time, before issuing loans, pay special attention to understanding the customer's creditworthiness, financial situation (including debt situation), the use of money, according to these circumstances to control the number of loans. Short-term bank credit is mainly based on credit. Borrowers do not need to pay collateral, borrowers and lenders generally do not sign a loan agreement, through the phone or telex can reach a deal, the procedures are very simple. The interest rate of short-term credit, according to the different lending period and change. In the international money market, the European dollar short-term credit interest payments taken is the discount method, that is, in the borrowing, the bank has been interest from the loan amount deducted, and then will deduct the interest after the balance paid to the borrower; in the loan expires, the borrower according to the amount of loan repayment. This method of paying interest up front increases the cost to the borrower, thus making the real interest rate on the loan higher than the nominal rate.
Four, what are the contents of credit investigation in the credit business of commercial banks?
Credit is the embodiment of a certain economic relationship between the different owners of the borrowing and lending behavior, is the repayment as a condition of the value of the movement of the special form, is the creditor lent loan money, the debtor on schedule to repay and pay a certain amount of interest on credit activities. (Gain by transferring the right to use the funds)
Credit fund characteristics: 1, repayment; 2, proliferation
Connotation of credit
Three properties: 1, efficiency (goal)
2, security (conditions)
3, liquidity (basis)
The basic original basis of the loan: efficiency, liquidity, security < /p>
The five elements of a loan: amount, mode, purpose, term, interest rate
Amount:
The amount that the borrower applies to the financial institution for use and the lender agrees to issue.
Loan Methods:
1: Secured Loan (most commonly used)
Mortgage, Guarantee, Pledge (note that Guarantee ≠ Guarantee)
Mortgage Secured Loan is: a loan granted with the intention that the borrower or a third party does not transfer the possession of the property, and the property is used as a security for the claim.
Banks short-term credit market refers to banks and other financial institutions to customers for short-term credit business. Banks to industrial and commercial enterprises of short-term loans mainly to solve the enterprise seasonal, clinical short-term liquidity needs, so the bank in the provision of short-term credit, pay more attention to the safety of the funds so as to reduce the risk. In order to ensure that the loan can be recovered on time, before issuing loans, pay special attention to understanding the customer's creditworthiness, financial situation (including debt situation), the use of money, according to these circumstances to control the number of loans.
Short-term bank credit is mainly based on credit. Borrowers do not need to pay collateral, and borrowers and lenders generally do not sign loan agreements, through the phone or telex can reach a deal, the procedures are very simple.
Short-term credit interest rates, according to the different borrowing period and change. In the international money market, the European dollar short-term credit interest payments taken is the discount method, that is, in the borrowing, the bank has been the interest from the loan amount deducted, and then will deduct the interest after the balance paid to the borrower; in the maturity of the loan, the borrower according to the amount of the loan repayment. This method of paying interest upfront increases the cost to the borrower, thus making the real interest rate on the loan higher than the nominal rate.