Loan risk warning letter

The scope of early warning and suspension of loans includes

The scope of early warning loan suspension includes the decline of main business income for three consecutive months, the decline of total profit for three consecutive months, the change of legal representative or the punishment by law enforcement departments.

Personal advice:

Be sure to know the relevant knowledge before lending, especially the enterprise. If there is any risk, control the risk of the loan in time. After the risk warning appears, the bank will unilaterally take measures such as stopping issuing new loans and recovering the guarantor's joint liability in advance. So what you need to pay attention to is that you must learn to protect your property in your life. If there is any illegal operation, you must surrender your insurance and stop loss in time so as not to affect your life.

Loan review should focus on risk quantification, prevention and control management. It is necessary to quantify the influence of various contents on loan risk in a risk system way, demonstrate the degree of hidden risks in loan issuance, judge whether to grant loans according to the degree of risks, and choose appropriate loan methods, so as to change the loan decision from qualitative analysis to quantitative analysis and enhance the scientific rationality of loan decision. The key is to put the system of separation of examination and loan in place and strictly implement it; The loan examination and approval should implement the responsibility system of division of labor among members, so as to ensure the in-depth and meticulous work of loan examination and enhance the accuracy and fairness of loan examination.

Extended data:

Post-loan inspection should focus on the early warning and disposal management of loan risk growth.

1. To strengthen the rigidity of the post-loan follow-up inspection system, the actions, contents and quality of post-loan inspection should be in place. For banks that fail in post-loan inspection, they should resolutely cancel their right to approve new loans.

2 to timely and accurately feedback the early warning information of loan risk growth.

3. According to the early warning information of loan risk, distinguish various growth nodes of loan risk, and take appropriate ways and measures to deal with loan risk in a timely and decisive manner to improve the timeliness and effectiveness of loan risk treatment.

4, straighten out the relationship with the government, law enforcement departments, the people's Bank of China, and further improve the work effect of dissolving the risk of new loans according to law.

Bank loans show orange warning

Risk loan. Moderate risk warning (orange warning) refers to the existence of various factors that endanger the safety of loans, and loans are risky. Credit risk signals are divided into four colors: red, orange, yellow and blue. As long as there is credit activity, credit risk does not exist objectively with people's will as the transfer. To be exact, risk-free credit activities do not exist in real banking work.

What are the consequences of early warning of bank loans?

Generally speaking, there are the following possibilities:

1, bank loan withdrawal;

2. Reduce the loan amount;

3. If there are non-subjective reasons, and effective measures can be taken to solve the problem and be recognized by the bank, it should not cause adverse consequences, but in most cases, the warned customer is likely to face the first two results.

Extended data:

During the validity period of credit business, risk control members can conduct post-loan inspection on credit customers through regular or irregular monitoring, on-site and off-site inspection, public inspection and unannounced visits, and make quantitative analysis on the collected information, identify the types, degrees, causes and changing trends of risks, reveal major loan risks, curb potential risks, make targeted treatment opinions as soon as possible, and realize early detection, early warning, timely prevention and control of risks.

The inspection items are as follows:

1. Whether the loan is used according to the original purpose; Whether the loan principal and interest can be recovered on time; Whether the loan is valid. Need early warning notice to remind you to correct.

2. The credit information system of China People's Bank inquires about credit records; Whether it is blacklisted; Changes in liabilities. Need to follow up.

3. Changes in the ownership of collateral; Control state; Changes in value. If there are risks, additional guarantee is needed and the guarantee node (pledge, mortgage and third-party guarantee) is adjusted.

4. Operation and contract implementation; Manage the purchase, sale and storage of commodities; Major personnel and business events; Changes in financial personnel and financial status; Changes in interests; Changes in cash flow; Payment of taxes and fees; Sustainable management ability; National policy impact. If there are risks, it is necessary to change the loan contract or collect the loan in advance and terminate the loan contract.

5. The borrower's illegal asset-liability ratio has increased for two consecutive months, and it has increased by more than 65,438+00 percentage points compared with the beginning of the year; The total profit decreased for three consecutive months; Whether there are illegal business operations or economic violations; If you are punished by law enforcement, you need to apply for sealing up and freezing bank accounts, bank cards and personal assets.

6. Inspection Duration The first follow-up inspection shall be conducted within 10 working days after the credit business occurs. Conduct an on-site inspection every month/kloc-0 before the expiration of each credit business.

7. If the customer is overdue for special reasons, such as the customer is on a business trip in the field, it will be overdue for several days. It is necessary to wait for customers to come back and strengthen communication. If you go out, please ask customers to save the monthly repayment amount in advance to help customers manage the loan repayment.

8. There is a problem with the customer's repayment ability. If there is a problem with the repayment ability of customers, we should first understand and evaluate their existing assets and liabilities, and on this basis, predict the future profitability of borrowers. If the borrower can gradually recover the repayment ability after a period of time, we can adjust the repayment plan and repayment method according to the borrower's future withdrawal of funds, and finally recover the creditor's rights.

9. If the customer has no repayment intention or the repayment intention deteriorates, the customer shall be dealt with according to the specifications with reference to the overdue treatment process. In this case, as a lender, if it feels that there is something wrong with the borrower's willingness to repay, the lender should take measures to recover as soon as possible, regardless of whether its repayment ability is sufficient or insufficient. A simple truth is that since there is something wrong with the borrower's willingness to repay, he wants to "default" or "postpone" the loan. In this case, if the lender does not take measures in time, the borrower will try to use various means to collect debts.

10. The customer has neither the will nor the ability to repay.

Refer to overdue processing flow, handle customers according to specifications, start internal audit, and check the analysis and approval of loans.

What does Harbin Loan mean when it says I have a risk warning?

The first-level early warning of loan refers to lack of sincerity in cooperation 1, poor contact, loss of contact with key customers or poor contact; Business leaders and financial personnel frequently change their mobile phone numbers and often can't get in touch. Even if there is, local people lie that they are on a business trip in other places; People who deliberately avoid lenders. 2, do not provide information, do not provide or do not provide regular reports on time. Unwilling to provide information beyond the regular report. Unwilling to provide transaction flow in other banks. Change or withdraw the loan information previously provided to the lender. 3. Do not cooperate with the inspection and postpone the meeting time agreed in advance without reason. During the on-site post-loan inspection, key personnel avoided seeing it. Rejected or failed to provide the composition details of the report data. 4. Transfer from the bank that has cooperated for many years to basic account. Change the host bank. When it is necessary to judge the real business scale and profitability of customers through income tax forms, customers are reluctant to provide them.

What does the orange warning for bank loans mean?

The orange warning of bank loans is that related party transactions are risky. Moderate risk warning (orange warning) refers to the existence of various factors that endanger the safety of loans, and there may be risky loans.