What is the situation of Nuoyuan Puhui now?

1. In our daily life, if the user fails to repay the loan according to the stipulated date after the loan is made by the loan company, otherwise, once the repayment period stipulated by the loan company is exceeded, this platform will calculate and charge a higher penalty interest than the bank from the overdue date, or charge a certain penalty.

2. In addition, small loan companies like Nuoyuan Pratt & Whitney will not go to the personal credit information system, but if you borrow money, your overdue situation will be recorded in your personal big data, resulting in bad information in your big data, which will affect your personal credit and hinder your future loans, at least not as smoothly as when you collect good loans. Many regular loan companies will not give you loans if they see overdue records or bad information in your big data, because they are afraid that your overdue will affect the interests of their companies. Another situation is that some loan platforms or cooperative lenders will directly access the central bank's credit information system, so when you are overdue, you will report the customer's personal credit information report and leave a bad record.

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Second, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

Third, the borrower and its responsible person should also be specially examined. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel.