Loan tracking return visit report

How to prevent banks from tracking the flow of loans

1. This is impossible. The bank will track the flow of the loan to prevent your loan from being misappropriated. For example, your loan is a consumer loan. As a result, you returned the loan to other loans instead of spending it, which is definitely not acceptable. Be sure to do a good job of pre-loan audit to find out the customer's credit information, business situation and specific loan purposes.

2. How to track: By analyzing the customer's bank flow and checking the customer's incoming and outgoing accounts, you can analyze the general capital flow and judge the purpose of the loan. For example, if the customer's funds are used for decoration, renovation contract can be allowed to be provided to ensure that the funds are used for decoration. After the loan, check the customer's bank flow, see how the loan funds are distributed after they arrive, so as to judge the use of their funds. Review the credit investigation after the loan. For example, if a customer buys a house, there will be a record of mortgage information. Field investigation and data collection to determine whether the loan funds are really used for the loan purposes specified during the loan period.

1. Bank is a legally established financial institution engaged in money and credit business. It is the product of the development of commodity economy and monetary economy to a certain stage. Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank. Central Bank: The People's Bank of China is the central bank.

2. The asset scale and after-tax profit of China banking industry have increased substantially year by year. 20 1 1 year, the profits realized by China's banking industry account for nearly one third of the total profits of the global banking industry. The scale of China's banking industry is developing rapidly, but under the background of accelerating interest rate marketization, intensifying internal and external competition and declining profit growth, banking financial institutions must make corresponding strategic adjustments in business structure, resource allocation and regional layout. Layout. With the intensification of competition in the banking industry, banking financial institutions pay more and more attention to the follow-up study of the industry development environment and market demand, especially the in-depth study of the banking business development environment and customer demand trends. Because of this, a large number of excellent banking institutions in China have risen rapidly, gradually forming their own business characteristics and becoming outstanding or rookie in the industry.

Will personal bank loans track the flow of funds?

I will. However, it needs to be clear that it is not the kind of surveillance that we imagined. Generally speaking, there are only two purposes for banks to supervise funds: marketing and risk control. Banks have begun to monitor the large amount of funds of residents. In the second half of 2020, pilot projects have been carried out in Hebei, Shenzhen and Zhejiang. Personal accounts are 65,438+10,000, 200,000 and 300,000 respectively, and the expenses will be registered in detail, and the cash deposit and withdrawal requirements are consistent with the transfer.

Every registered capital should be traceable. This is also an appropriate supplement to crack down on crime, prevent capital flight and prevent the risk of bank run. Different from the past, no matter how you withdraw money or transfer money, the bank will not impose restrictions. At most, it can give a warm reminder to middle-aged and elderly customers to confirm that the payee is not a liar. Therefore, it is a trend to monitor the flow of a large number of personal funds. The attitude is clear and the means are direct. I think we can't just consider privacy protection and information disclosure, because the implementation of many financial policies is bound to protect people's property safety and maintain national financial stability.

Personal consumption loans must be used for loan purposes. If it is a commercial loan, it is generally necessary to pay it back first, and the requirements are relatively strict. In the current economic downturn, it is normal for banks to be strict. The bank will conduct a follow-up investigation according to the purpose and the current economic situation, and whether to implement it. Prevent escape. The punishment depends on the contract. Generally, you only need to repay on time when it is due.

Borrower signs loan commitment letter:

Banks generally require borrowers to sign a loan commitment letter and promise not to use the loan funds for illegal purposes.

Post-loan management:

Bank loans generally include pre-loan review, in-loan inspection and post-loan management. After the loan is issued, the bank will also keep abreast of the use of funds after the loan is issued. Finally, if the borrower fails to use the loan funds according to the specified purposes, the bank can charge a penalty interest, or even cancel the loan contract and recover the loan in advance.

How many loan transfers have not been tracked?

Generally, normal bank loans are not tracked after two transfers. However, it is required that the last two transfers should be handled by myself or immediate family members such as parents, children and spouses on the same household registration book. If someone else transfers the money, the bank will not recognize it.

I. Loans

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the loan matters needing attention

1, loan amount:

When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment.

2. Loan information:

The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan.

3. The purpose of the loan:

When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.

Third, the consequences of loans overdue.

1. Penalty interest: When signing a loan contract, some relevant regulations are generally made for loans overdue. If the loan contract is overdue, there will generally be a penalty interest. For different financial institutions, the amount of penalty interest and the interest generated are different. However, as an expense that should not be spent, it is better not to generate it.

2. Credit stain: This should not be underestimated. Once in loans overdue, the bank will report your overdue records to the central bank's credit information system. Once the record is generated, it will leave a stain on your personal credit report. This small stain will form a great resistance to your future loan or credit card application, so the borrower must not lose big because of small.

3. You can't enjoy the preferential loan interest rate: We all know that when you apply for a loan from a bank, the loan interest rate will fluctuate to varying degrees, and high-quality customers can usually get the lowest loan interest rate. Users with loans overdue records can't enjoy preferential interest rates even if they can get a loan application.

How loan salesmen track successful customers is the follow-up service.

1. View customer information. Please review the customer information when preparing, including the customer's personal basic information (name, nickname, professional title, age, company name, address, customer appearance, etc.). ), the topics you talked about when communicating or meeting with customers for the first time, customers' hobbies, education, family situation, etc. The more comprehensive you capture this information, the clearer you remember it, the better, because it will be of great help for your second follow-up or visit to customers in the future, and it is the starting point for you to start a dialogue with customers.

2, clear follow-up goals, Carnegie said: no goals are worse than having bad goals. Because there is no goal, this person is likely to do nothing, which is meaningless to our follow-up effect and will also affect the follow-up progress and results. Therefore, for loan officers, in order to achieve the purpose of follow-up, you must be clear about the goal of follow-up.

Every loan of an enterprise will be tracked by the bank, and what will affect the bank credit rating of the enterprise.

Every loan of an enterprise will be tracked and recorded by the bank. Whether the repayment on schedule will affect the bank credit rating of the enterprise! Many banks require that the number of inquiries and approvals should not exceed 6 times in one year when approving loans;

Some banks even require that the approval records in the last six months should not exceed three times;

If you have a lot of inquiry records in the last six months or a year, the bank can easily refuse you.

Don't click on the loan advertisement when you see it online.

Even if you just need a loan recently, you need to apply for it with a clear understanding of the specific situation, instead of blindly clicking on the application.

Credit card overdue record

Many people apply for credit cards for various reasons, but they seldom use them. Occasionally, the amount may not be large, and it is easy to forget your own consumption records, which leads to overdue.

Therefore, if you really don't need a credit card, it is suggested that you can still call the issuing marketing card.

Because although the amount you spend may not be large, as long as it is overdue, it will be on credit, not worth the loss.

If the credit card has a bad record, don't cancel it immediately, even if the bank urges you to cancel it.

Can loan withdrawals be tracked?

Yes Even after cash withdrawal, it can be traced. Secondly, after lending to users, many platforms will require uploading coupons on time for review. If the voucher cannot be provided or the voucher does not meet the requirements, it may be required to settle it all at once.

First of all, some bank loans are earmarked and will not be directly credited to the borrower's account, but designated developers, decoration companies, automobile manufacturers and other companies. Also, if the borrower wants to use the loan to buy stocks or funds, he may be monitored by the bank when opening an account. Finally, some banks will make it mandatory that the certificate of use must be uploaded within a period of time after receiving the loan, otherwise it will be settled in advance.

Second, how to supervise the withdrawal of consumer loans? 1. Need to upload the consumption voucher. The general platform will inform users to upload receipts, transfer records and other vouchers within a specified time. If it cannot be provided, it may lead to platform risk control, and in severe cases, it may require a one-time settlement. 2. earmarking. Many types of consumer loans can only be used in designated consumption scenarios, but not in other places, or the platform directly transfers the amount to the corresponding merchant account and cannot be used for other purposes. 3. Check account opening. If the user withdraws money and deposits it into other accounts, the platform may also monitor it. For example, some users take out their consumer loans and then transfer them to Alipay balance. After the bank finds out, it will send a reminder to users about the illegal use of funds. It is recommended that you do not operate illegally, which will not only be required to settle accounts, but also affect your credit evaluation on the platform and leave a bad impression.

3. Therefore, after applying for a loan, users need to find out the scope of funds that can be used, and don't use the loan funds for illegal fields, such as housing market, stock market and investment. Not only is the relevant supervision strict, but the platform also requires the risk control of funds, so the consequences of illegal use are very serious, so it is recommended not to try. In normal use, you need to keep relevant certificates, and you can provide them at any time once the platform needs to be verified.