Loan management system

 

   In order to guard against financial risks, to ensure that the security company funds, robust, efficient operation, according to the "management approach" the pilot micro credit company in Shaanxi province and the relevant provisions of the local financial industry, this system is developed:

A, loan policy definition

    (A)The amount of,At

    1, loans to the same borrower amount of general in 1500000 yuan (including) the following, namely does not exceed 5% of the capital;

    2, 90% of the funds for small enterprises and individual industrial and commercial households.

   (Two) loan shareholders shall not the company.

   (Three) loan interest rates

    1, the highest rate of 20 of the monthly. ;

    2, the lowest rate of 18 of the monthly;

Two, loan conditions

   (A) loans:An enterprise as a legal person (especially small businesses), a private economy, with full civil natural persons.

    (Two basic conditions):The borrower shall have the production site, product sales, operating efficiency, abide by credit and other basic conditions, specific have the following conditions:

    L, the Department of industry and Commerce (business license annual inspection required information);

     2, the organization code certificate and technical supervision department inspection;

     3, the people's Bank of the annual loan card (essential);

     4, the identification certificate of the legal representative, the legal seal or signature samples, chop samples (essential);

     5, the articles of association of the enterprise and capital verification report;

     The annual financial statements and the audit of the intermediary institutions qualified 6, with;

     7, list and liabilities;

     8 other documents, it is necessary to provide.

Three, the loan three search system

     (A)Pre loan investigation

     The basic content of the survey of 1, before loan

     (1) the basic situation. The main body is eligible for loans to borrowers, the basic conditions for compliance with requirements.

     (2) operating conditions. Mainly in production, sales forecast borrowers, benefits and development prospects.

     (3) financial situation. The present situation and the change in recent years is mainly the assets and liabilities, capital structure, liquidity, profitability, cash flow, etc..

     (4) credit. Is the borrower has no default of financial institutions, loans and bad credit record.

     (5) the quality of the managers. Is the legal representative and the main leadership knowledge, experience, performance, character and ability of management.

     (6) guarantee. Mainly against (quality) and property ownership, value and the realization degree of difficulty, the guarantor of the qualification and ability of guarantee.

     2, procedure and method of investigation before loan

     By reviewing the relevant data and on-the-spot investigation, method of combination of qualitative analysis and quantitative analysis. Job requirements by double pre loan investigation (general manager and the loan officer) to complete.

     3, the investigation conclusion

     Through a thorough and meticulous investigation, will be analyzed and studied the data and information, form an objective, practical, fair conclusion, form a report, together with the other loan data to be sent to the examination department review.

     (Two.Review the loan

     The main contents of L, review

     (1) the borrower's main body qualification is legitimate, there is no ability to bear civil liability.

     (2) the borrower is in accordance with the basic conditions of the loan.

     (3) the production and management, financial status, credit status, development prospects and the internal management is good or not.

     (4) use of the loan compliance, amount, term, interest rate whether compliance.

     (5) the corporate seal, legal representative or authorized agent of the seal, signature samples of authenticity.

     (6) against (quality) reliability of collateral or guarantee qualification, ability to review.

    According to the company's actual, loan review work completed by the accounting and cashier.

     2, the loan approval

     On the basis of investigation, loan review comments on the examination and approval authority, the loan specified by the board of directors for approval step by step, decided to loan not loan, mortgage loan, the loan period and the interest rate of less.

The examination and approval authority for corporate loans are as follows:

    General manager: 500000 yuan, including 500000 yuan;

    Executive Directors: 500000 yuan, 1000000 yuan, including 1000000 yuan;

    Chairman: 1000000 yuan, 1500000 yuan, including 1500000 yuan;

    The loan will be: 1500000 yuan (extension members: Chairman of the board of directors, directors, general manager).

     (Three.The loan after the inspection

     1, to establish the loan account and loan business archives management.

     Check the main contents, the loan after 2:

     (1) periodic inspection of the production and operation status, credit status, repayment ability and the use of loans.

     (2) focus on examination of the use of loans, changes in loan contract debt paying ability and performance.

     (3) check against (quality) change status and value of collateral and guarantee of human solvency.

     3, post loan management

     (1) before the loan is due a week, to send written notice to the borrower repayment.

     (2) loans overdue should notice to borrowers monthly send written reminders, and obtained the receipt.

     (3) within three months overdue loans, to study and formulate disposal loan scheme and to take the necessary measures, loans overdue for more than three months, to the borrowers are implementation of the law collection.

Four, the loan classification and provisioning

     (A)Credit asset classification method

     Classification methods according to evaluation of the quality of credit assets of banks, the risk based, the company will credit assets divided into normal, attention, substandard, doubtful and loss of five class, two class before the normal credit assets, after the three class for the bad credit assets.

     (Two.Defines five levels of classification

     1, normal. The debtor to fulfill the contract, there is no sufficient reason to doubt the principal and interest of loans and other debt cannot be repaid in full and on time.

     2, pay attention to. Although the debtor at present has the ability to repay the loan principal and interest and other debt, but there are some factors that may have an adverse effect on the repayment of a debt.

     3, secondary. The debtor's solvency apparent problems, completely rely on their normal business income cannot repay the loan in full and other debt, even if the collateral, may also cause some loss of.

     4, suspicious. The debtor is unable to repay the principal and interest in full and other debt, even if the collateral, certainly will cause a greater loss.

     5, loss. After taking all possible measures and all the necessary legal procedures, the principal and interest of loans and other debt cannot be recovered, or only a small portion can be recovered.

     (Three.Objective five grade classification

     The actual value of 1, to reveal the credit assets and the degree of risk, real, comprehensive and dynamic reflect the quality of credit assets.

     2, timely find loans, management, monitoring, collection and management in the non-performing loans in question, so as to strengthen credit management.

     3, to provide the basis for the extraction of losses, and the establishment of the loss class loan full provision system, ensure asset loss reserve adequacy rate has remained above 100%, comprehensive coverage of risk.

     (Four.Aging of five category

     In accordance with the provisions of the requirements of the people's Bank, the five grade classification work take "quarterly cognizance, real-time adjustment" principle, timely five class classification recognition, real-time monitoring and adjusting the credit asset risk changes.

     (Five.The five grade classification of internal division of responsibilities

     L, the credit risk department according to "five grade classification definition of" five level classification of loans identified verification.

     2, General Manager's Office responsible for auditing the five level classification results.

     3, the Commission is responsible for the examination and approval of the five grade classification results.

     Extraction and management, finance and accounting department is responsible for 4 of the loan loss reserve.

     (Six.Initially identified the five grade classification information

     1, the basic situation. Including the basic information, the loan examination and approval form, the loan contract and IOUs.

     2, the financial situation. Including the debtor and guarantor of recent financial statements (balance sheet, income statement, cash flow statement and the related financial data analysis).

     3, guarantee. Against (quality) the original assessment of collateral price and the price difference of cash, degree of difficulty and related costs, the guarantor's guarantee ability and compensatory ability etc..

     4, the loan after the inspection. Including daily on the track inspection, post loan management manual and analysis report.

     5, credit status. Including the debtor's repayment records, credit records.

     6, other relevant debtor information.

     (Seven.Provision and disposal

     1, the general reserve provision. According to the "Regulations" small loan company in Shaanxi Province pilot and the State Administration of Taxation, extraction of gold at the end of the year the balance of loans risk in proportion of l%, according to the after tax profit of l0% extraction surplus capital fund, a total of more than 50% of its registered capital, the excess may be converted into capital.

     2, the provision of special reserve. According to the damage degree of local agricultural bank credit assets of five level classification plan carry special reserve standard. The normal class, concerned about the type of loan provision ratio: 1.54% corporate enterprises; 3.84% individual industrial and commercial households, subprime loan percentage is 25%, doubtful loan percentage is 50%, the loss class loan percentage is 100%.

     3, the disposal of non-performing loans. When more than 10% non-performing loan capital management process, or the occurrence of the loss class loan, held a meeting on the disposal of non-performing loans by the board of directors, and the implementation of a deposit account system, later continue to collect.

Five, the loan operation flow

 

      To control loan risk lies in the practice, a solid implementation of "guarantee law" of the security measures, the safety and benefit security company capital operation.

     

Mortgage loan operation flow

   (A)The range of collateral

    1, the mortgagor houses and other fixed objects on the ground.

    2, the mortgagor of state-owned land use rights.

    3, the mortgagor of all equipment, means of transportation and other property.

    4, according to other property mortgage.

    (Two.Collateral materials shall be submitted

   L, mortgage is a corporation must submit the following materials:

   (1) the business license and annual inspection in recent year (and a copy of proof of this, essential).

   (2) the organization code certificate and proof of inspection in recent years.

   (3) the tax registration certificate and proof of inspection in recent years.

   (4) the identification certificate of the legal representative and the specimen signature or seal (essential).

   (5) the articles of association of the enterprise.

   (6) the mortgagor agreed to provide a written mortgage (essential).

   (7) the mortgagee ownership, use right or right to dispose of according to law to prove ownership of collateral.

   (8) the mortgagor use of state-owned land and housing of all warrants (essential).

     2, the mortgage is a natural person shall submit the following materials:

     (1) valid identity certificate of the mortgagor and the spouse (identity card).

     (2) prove that the mortgagor residence (hukou) and marriage certificate.

     (3) the mortgagor and the spouse agreed to provide a written mortgage guarantee.

     (4) the mortgagor use of state-owned land and housing of all warrants.

     (Three.Handle the matters needing attention property mortgage

    L, a common property mortgage, due to there were people with mortgages written documents.

     2, limited liability company, Limited by Share Ltd property mortgages, due to the company's board of directors or shareholders of the General Assembly pursuant to the articles of association of the company agreed to a resolution in writing mortgage.

     3, by machinery and equipment, raw and auxiliary materials, finished products and other chattel mortgage, the ownership or use right certificate and the storage of data should be collateral.

     (Four.Determine the mortgage rate

     (1) the personal property and the use of state-owned land (sale) of the mortgage rate does not exceed 80% (to the property assessment agencies to assess the book.).

     (2) plant and the use of state-owned land (sale) of the mortgage rate is less than 70%.

     (3) machines and other chattel mortgage rate of not more than 50%o

     (Five.Mortgage registration

     Collateral to apply for mortgage registration with the relevant departments to be effective, the loan handling (survey Gang) and the mortgagor to relevant departments to handle the mortgage registration, and personally get property certificate and the certificate of registration of mortgage.

     1, the real estate mortgage registration authority for the city Housing Authority and the city land resources bureau.

     4, equipment and other chattel mortgage registration authority for the district administration of industry and commerce.

    Note: for mortgage registration, shall be determined by the user.

     (Six.Custody of collateral

     1, the real estate property certificates after packet transfer list, fill in and affix the double chop (accountant and cashier cashier) to storage (SAFE) custody, and registration of collateral custody register.

     2, the mortgage by the mortgagor of tube, the loan after use, management and change regular inspection of collateral.

     Check the main contents of the mortgagor and the collateral, the loan after 3:

     (1) the mortgagor to major economic disputes, business scope and the change in registered capital, changes in ownership.

     (2) mortgage management or organizational structure change.

     (3) mortgage business, bankruptcy, dissolution, suspension of business for rectification, business license is suspended, revoked.

     (4) mortgage rules, legal representative, domicile change.

    (5) dispute the ownership of collateral.

     (6) collateral damage, loss, reduce or expropriated.

    (7) the mortgage is re established mortgage, pledge, or leased, transfer, gift.

   (8) the mortgage is the relevant law enforcement agencies to attachment, seizure.

     (9) mortgage rights are or might be coming from any third party infringement.

    4, during the duration of mortgage credit departments should pay close attention to the situation, timely reporting to the leadership of the company, to take corresponding strategies, measures, to the relevant authorities claim.

     (Seven.The realization of mortgage

     1, the loan contract expires, the borrower fails to repay the principal and interest of loans, can apply for mortgage to the people's court according to law, sale or auction collateral priority loan interest and related costs.

     2, the proceeds of disposition of collateral is insufficient to pay off the loan interest and related costs, should continue to recover the deficiency to the borrower; the remaining settlement, shall be returned to the mortgagor.

     3, mortgage loan principal and interest repayment, should be with the mortgagor to the original registration authority for cancellation of registration, and related collateral ownership certificates and documents returned to the mortgagor, complete the formalities of transition.

Pledge loan operation flow

     (A)The scope of matter

     L, can accept the following conditions of chattel mortgage:

     (1) the pledgor ownership or right to dispose of according to law.

     (2) circulation, transferable according to law.

    (4) liquid, easy maintenance, easy storage.

     2, can accept the following rights pledge:

     (1) cd.

     (2) the bank acceptance bill

(3) according to the law may be pledged cash value life insurance policy.

     (Two.The quality of materials shall be submitted

     And the mortgagor shall submit the same material.

     (Three.Should pay attention to pledge loan

     1, the bank acceptance pledge, should be between the pledgor and the drawer or the front hand commodity contract and value-added tax invoices.

     2, with certificates of deposit pledge, should be with the bank to protect, certificates of deposit and password storage.

    3, the insurance policy pledge, and insurance companies to insurance, certificates of deposit and password storage.

     (Four.Investigation and evaluation of the pledge

     In view of the company loan interest rate higher than bank interest rate pledge professional, no more than the general store, tickets, the sum insured 80%.

     (Five.The registration of the pledge

     The term of the loan shall not exceed the pledge due date.

     (Six.The pledge of security management

     1, when the requirement of quality in the quality certificate properly endorsed rights record "pledge" and the signature.

2, the pledge by the accounting, cashier register, sign, the cashier's safe.

     (Seven.The realization of right

     Basically the same realization of mortgage.

Ensure the operation flow of secured loans

     (A)Suretyship

     1, legal person, on behalf of the solvency of other economic organizations, natural person, can be used as the guarantor. The other economic organization refers to the registration and obtain a business license owned enterprises, partnership, joint Chinese foreign cooperative enterprises, enterprises etc..

     2, in principle should choose to corporate liquidity strong, reputation good for people.

     3, the state organs, schools, hospitals, branches of enterprise legal persons and departments can not be used as a guarantor.

     4, as the legal representative, directors or executive company had bankruptcy, evasion of bank debt, default interest bank loans bad credit history can not be used as a guarantor.

(Two.The guarantor shall submit materials

     1, legal persons and other organizations, to ensure the people, shall submit the following materials:

     (1) the recent annual business license (the essential information);

     (2) in recent years by the organization code certificate inspection;

     (3) the legal representative (person in charge) proof of identity and the specimen signature or seal (essential);

     (4) the annual review of the loan card (no loan can't);

     (5) the recent year the annual inspection of the tax registration certificate;

     (6) the articles of association of the company;

     (7) through the intermediary of the previous year as audited and the current financial statements (balance sheet, income statement, cash flow statement);

     (8) it is necessary to submit additional materials.

     2, limited liability company, the Limited by Share Ltd as a surety, and submit the following materials:

     (1) to the board of directors of the company or the general meeting of shareholders according to the articles of association of the company agrees to provide written guarantees to ensure resolution;

     (2) the board of directors of the company or the general meeting of shareholders according to the articles of association of the company as a signed letter of authorization and the specimen signature or seal.  

    3, professional security agencies to ensure the people, shall also submit the following materials:

     (1) the intermediary agencies issued capital verification report;

     (2) a certain amount of the guarantee fund deposit certificate;

     (3) agreed to provide written documents of the guarantee.

     5, natural and man-made guarantor, it shall submit the following materials:

     (1) ensure the effective identity documents and spouses;

     (2) ensure that people living (hukou);

     (3) ensure that the property and income (civil servants);

     (4) the guarantor and the spouse agreed to provide a written guarantee.

     (Three.To ensure investigation review loan

     L, should be reviewed to ensure people's subject qualification, meaning, authorization and other relevant documents, to determine its authenticity, integrity, legitimacy and effectiveness.

     2, we should review to ensure the credit situation, the compensatory ability and other matters, determine the guarantee reliability.

     3, shall make a comprehensive research on the guarantor asset size, owner's equity, balance, for others to guarantee credit rating, cash flow, credit status, development prospects and other factors.

     4, to ensure that the amount of total assets and total liabilities = a has been providing guarantees the balance.

     (Four.Guarantee contracts

     1, ensure the contract may take the following forms:

     (1) the guarantor sign a written contract with the petty loan company;

     (2) the guarantor to produce the petty loan company other written guarantee documents unconditionally, cannot be undone, jointly and severally liable to the principal debt.

     2, the same loan has two or more sureties shall ensure, with people signed a guarantee contract.

     3, the same loan both guarantee and third people to provide against (quality) and guarantees, shall be respectively signed a guaranteed contract and mortgage contracts (matter).

     (Five.To ensure that security management

     1, to ensure the validity period of the contract, shall be in accordance with the loan after the inspection interval period, to ensure the credit situation, the debt paying ability and guarantee the performance of the contract in accordance with the regular inspection, to ensure that the contract fails to submit the relevant materials and the performance of its obligations.

     2, should check to ensure that the following situations or people:

     (1) the deteriorating financial situation or involve significant economic disputes;

     (2) the operating mechanism and structure changes, such as contract, lease, division, merger, joint stock system transformation;

     (3) the scope of business and registered capital, changes in ownership change;

     (4) out of bankruptcy, dissolution, revocation of the business license, etc.;

     (5) the articles of association of the enterprise, legal representative, address, telephone and other changes.

     (Six.Realization of the secured claim

     1, the loan contract, the borrower fails to repay the due interest, in addition to the provisions of the collection to the outside, should also be in the contract period expires six months guarantee delivery informs received, and receipt.

     2, borrowers and ensure the per capita does not fulfill its responsibility, in the guarantee period and limitation of action in a timely filed a lawsuit or arbitration.

     3, to ensure the people refuse to perform the effective judgment or mediation, should apply for execution within six months, the court, in order to recover the loan principal and interest.