Key points for bank professional qualification personal loans in 2017: Post-loan management
Post-loan management
1. Post-loan management of commercial housing loans
Post-loan management of commercial housing loans refers to the process in which the lender dynamically manages the loan from the time the loan is issued to the time the loan is recovered. It mainly includes post-loan inspection, contract changes, loan quality classification and risk warning, loan Work such as collection of principal and interest when due, non-performing loan management and post-loan file management.
(1) Post-loan inspection
The main content of post-loan inspection includes two aspects: borrower status check and guarantee status check.
①The main contents of the borrower's status inspection include:
a. The use of loan funds;
b. Whether the borrower repays the loan in full and on time;
C. Whether the borrower’s work unit and income level have changed;
d. Whether the borrower’s residence and contact number have changed;
e. Yes There are no emergencies that may affect the borrower's ability or willingness to repay, such as involvement in major economic, litigation or arbitration procedures, deterioration of the borrower's physical condition or sudden death, etc.;
f. Commercial housing leasing situation and rental income status, etc.
②The main contents of the guarantee inspection include:
a. The guarantor’s operating status and financial status;
b. The existence and use of the collateral , value changes, etc.;
c. The timeliness and value changes of the pledge rights certificate;
d. For those who use commercial houses as mortgages, the rental situation and commercial use of the commercial houses Monitor housing price fluctuations;
e. Other factors that may affect the validity of the guarantee.
(2) Contract changes
① Early repayment
Banks generally have the following basic agreements for early repayment:
a. The borrower should submit an early repayment application to the bank;
b. The borrower's loan account has not defaulted on principal, interest and other fees;
C. Early repayment is a breach of contract by the borrower. The bank will charge liquidated damages in accordance with regulations;
d. The borrower should repay the current loan principal and interest before repaying the loan in advance.
②Term adjustment
If the borrower needs to adjust the loan term, he should submit a term adjustment application to the bank and must meet the following conditions:
a. Loan Not due
b. No interest in arrears
C. No principal in arrears
d. The principal of this period has been repaid
③Change of repayment method:
The borrower needs to meet the following conditions to change the repayment method:
a. An application for change of repayment method should be submitted to the bank;
b. There are no arrears of principal, interest and other fees in the borrower’s loan account;
c. The borrower should repay the current loan principal and interest before changing the repayment method
④The loan contract Change and termination:
a. If the loan contract needs to be changed or terminated in accordance with the law, it must be negotiated and agreed by both the borrower and the lender. The loan contract will continue to be valid until the negotiation is reached;
b. If necessary If the mortgage (pledge) registration is changed, the original mortgage (pledge) registration department should also go to the original mortgage (pledge) registration department to handle the mortgage (pledge) registration change and other related procedures;
④Change and termination of the loan contract:
a. If the loan contract needs to be changed or terminated in accordance with the law, it must be negotiated and agreed by both the borrower and the borrower. The loan contract will continue to be valid until the negotiation is reached;
b. If a mortgage (pledge) is required If you change the registration, you should also go to the original mortgage (pledge) registration department to go through the procedures for changing the mortgage (pledge) registration and other related procedures;
c. When the guarantor loses the ability to guarantee or the guarantor becomes bankrupt, split, or In case of merger, etc., the borrower should promptly notify the lending bank and re-provide a guarantee recognized by the lending bank;
d. The borrower dies, is declared dead, declared missing, or loses capacity for civil conduct within the repayment period Afterwards, if there is no heir or legatee, or the heir or legatee refuses to perform the loan contract, the lending bank has the right to withdraw the loan in advance and dispose of the mortgage or pledged property in accordance with the law to return the unpaid portion.
(3) Loan quality classification and risk warning
Banks should establish a commercial housing loan quality classification system and risk warning system based on post-loan inspections. Commercial banks should follow the "Loan Risk Classification Guidelines" and classify loans into at least five categories: normal, special mention, substandard, doubtful and loss, and promptly adjust the classification results according to changes in their risks to accurately reflect the quality of the loans.
(4) Recovery of loan principal and interest when due
Loan recovery means that the borrower repays the loan principal and interest in full and in a timely manner according to the repayment plan and repayment method stipulated in the loan contract. Full recovery of loan principal and interest when due is the ultimate goal of post-loan management.
The loan repayment methods include entrusted deduction and over-the-counter repayment. The borrower can select a repayment method in the contract and can also change it during the loan term based on specific circumstances.
The principle of loan recovery is to collect interest first and then the principal. When all is due, the interest will be paid off along with the principal. Generally speaking, one week before the expiration of a short-term loan and one month before the expiration of a medium- and long-term loan, post-loan managers should send a principal and interest payment notice to the borrower to urge the borrower to prepare funds to repay the principal and interest in full and on time. .
(5) Non-performing loan management
Regarding the management of non-performing commercial housing loans, banks must first identify non-performing commercial housing loans in accordance with the five-level loan risk classification method. After identification, they must promptly identify non-performing commercial housing loans. Analyze non-performing loans, establish a non-performing loan ledger for commercial housing loans, identify the person responsible for the collection of non-performing loans, and monitor the recovery of non-performing loans in real time.
For borrowers who fail to repay their loans on time, methods such as telephone collection, letter collection, door-to-door collection, lawyer's letter, and judicial collection should be used to urge the borrower to repay the loan principal and interest on time, so as to minimize loan losses and have The guarantor must notify the guarantor of collection.
(6) Post-loan file management
① Collection, organization, filing and registration of files.
②Borrowing (checking) management of files.
③ Transfer and takeover of files.
③Return and destruction of files.
2. Post-loan and file management of secured working capital loans
In addition to the relevant content of commercial housing loans, the post-loan and file management of secured working capital loans should also Pay special attention to the following content:
(1) Daily visits to enterprises
(2) Inspection of financial operating conditions of enterprises
(3) Inspection of project progress
What will be tested in the 2017 Banking Qualification Examination? What content will be covered in each subject?
What will be tested in the 2017 Banking Qualification Examination? What content will be involved in each subject
1. The bank qualification examination is divided into basic subjects and professional subjects.
2. Basic subjects of public security: basic public security (the examination content of the basic public security certificate is the basic knowledge of the qualifications of banking practitioners).
3. Professional subjects: personal finance, risk management (the examination content of the professional certificate is the relevant professional knowledge and skills of banking industry practitioners).
4. Exam question types: All are objective questions, including single-choice questions, multiple-choice questions and judgment questions.
5. Examination format: The qualification examination is a computer-based examination in a closed-book format.
6. The qualification examination syllabus is organized and formulated by the certification office. The scope of questions in the qualification examination shall be subject to the published examination syllabus.
1. The banking qualification examination subjects are: "Banking Industry Laws, Regulations and Comprehensive Ability" and "Banking Industry Professional Practice". Among them, "Banking Professional Practice" consists of five professional categories: "Risk Management", "Personal Financial Management", "Corporate Credit", "Personal Loans" and "Bank Management", among which you can choose one subject.
2. The content of each subject is different. You can purchase relevant books to learn more.
What subjects are tested in the Banking Qualification Examination?
Hello, China Public Education is at your service.
The subjects of the Banking Qualification Examination include: Fundamentals of Public Finance, Personal Finance, Risk Management, Corporate Credit and Personal Loans. Among them, the basics of public education are basic subjects, and the rest are professional subjects. Candidates can choose any subject to take the exam. According to the "Measures for the Management of Qualification Certification Examinations for Banking Practitioners in China", passing the "Basic Public Security Examination" and obtaining the certificate are the necessary prerequisites for obtaining a professional certificate.
For details, click: 2013 Banking Qualification Examination Guide.
More banking qualification examination information: Shanghai Bank Recruitment Network.
If you have any questions, please feel free to ask Zhonggong Education Enterprise.
Which subjects are easy to apply for in the Banking Qualification Examination
In the Banking Qualification Examination, the four professional practical subjects of personal finance, risk management, personal loans and corporate credit are medium-difficulty. None of them are particularly high, because they are all computer-based tests, and the question types are basically single-choice, multiple-choice, and true-false questions, and there are no subjective questions.
Generally, the most popular test is personal finance, which is relatively easy to take. Others such as risk management, personal loans, and corporate credit are slightly more difficult. The reason why it is generally considered difficult is that it contains more knowledge points and is relatively more complicated. However, as long as you study seriously, you will find that it is not as difficult as everyone said
What content does the Banking Qualification Examination include?
The Banking Qualification Examination mainly tests candidates’ bank-related professional knowledge, skills and abilities.
The qualification examination is divided into basic subjects and professional subjects. The examination content of the public basic certificate is the basic knowledge of the qualifications of banking practitioners. The examination content of the professional certificate is the professional knowledge and skills related to banking industry practitioners.
For more recruitment information updates and examination content, please visit: Hubei Bank Recruitment Information Website: hu.jinrongren./
What are the main contents of the Banking Qualification Examination?
The exam subjects are corporate basics, corporate credit, personal finance, personal loans, and risk management.
The basics of public finance in China are corporate subjects; the rest of corporate credit, personal finance, personal loans, and risk management are professional subjects. Candidates can choose any of the four subjects to apply for the exam.
Qualification certificates are divided into basic certificates and professional certificates. The basic public certificate is a certificate of professional qualifications that all personnel in the banking industry should have; the professional certificate is a certificate of professional qualifications for personnel in relevant professional positions in the banking industry.
What are the subjects of the Banking Qualification Examination?
The Banking Qualification Examination is divided into "Banking Laws, Regulations and Comprehensive Ability" (formerly "Basics of Public Security"), "Banking Qualification Examination" Professional Professional Practice". Among them, "Banking Professional Practice" consists of five professional categories: "Personal Financial Management", "Risk Management", "Corporate Credit", "Personal Loans" and "Bank Management".
What are the subjects of the banking qualification examination?
Online experts who are rushing to take the exam will answer your questions. The banking qualification examination subjects are:
(1) "Banking Laws, Regulations and Comprehensive Abilities" is a required subject (that is, the original "Public * **Basic"), bank employees who pass the basic public examination subjects and certificate review will obtain the basic public certificate.
(2) Professional examination subjects are optional, including (personal finance, risk management, corporate credit, personal loans). Candidates can choose one of the examination subjects to apply for. Banking practitioners who pass the professional examination subjects and review will obtain the corresponding single-subject professional qualification certificate.
Banking employees who have passed the basic public examination without applying for other professional subjects can apply for the basic public certificate.
If you want to know more information about the Banking Qualification Examination subjects, you can pay attention to Catch the Exam Online
Urgent! What subjects should I choose for the Banking Qualification Examination?
Listen to me and take the personal finance exam. Personal loans have a lot of content, and it’s easy to get confused and difficult to remember within each loan category. It's hard. . .
What does the banking qualification examination include?
The qualification examination is divided into basic subjects and professional subjects. The examination content of the public basic certificate is the basic knowledge of the qualifications of banking practitioners. The examination content of the professional certificate is the professional knowledge and skills related to banking industry practitioners.
Bank Professional Qualifications 2017 Personal Loan Key Points: Personal Housing Loan
(2) Loan Interest Rate
The term of the personal housing loan is within 1 year (including 1 year ), the contract interest rate is applied to the loan, and interest will not be calculated in stages when the statutory interest rate is adjusted; if the loan term is more than 1 year, if the statutory interest rate is adjusted during the contract period, it can be determined by the borrower and the lender based on commercial principles, and the interest can be calculated on a monthly or monthly basis during the contract period. It can be adjusted quarterly or annually, or a fixed interest rate can be determined. However, in practice, most banks will implement new interest rate regulations based on corresponding interest rate grades from January 1 of the following year.
(3) Loan period
The period of personal first-hand housing loans and second-hand housing loans is reasonably determined by the bank based on the actual situation, and the maximum period is 30 years. The term of a personal second-hand housing loan cannot exceed the remaining useful life of the purchased house. For borrowers who have retired or are about to retire (the current legal retirement age is 60 years old for men and 55 years old for women), the loan period should not be too long. Generally, the repayment period for male natural persons should not exceed 65 years, and the repayment period for female natural persons should not exceed 65 years. No more than 60 years old. If relevant conditions are met, the age limit can be relaxed to 70 for men and 65 for women. The regulations vary from bank to bank based on their own circumstances.
(4) Repayment methods
Personal housing loan repayment methods include: one-time principal and interest repayment method, equal principal and interest repayment method, equal principal repayment method, equal proportional repayment method There are various methods such as progressive repayment method, equal-amount progressive repayment method and combined repayment method.
Generally speaking, if the loan term is within 1 year (including 1 year), the borrower can adopt the one-time principal and interest payment method, that is, repay the loan principal and interest in one lump sum before the loan maturity date. If the loan term is more than 1 year, the equal principal and interest repayment method and the equal principal repayment method can be used.
The borrower can choose a repayment method as needed, but can only choose one repayment method for a loan contract. After the loan contract is signed, the repayment method cannot be changed without the consent of the lending bank.
(5) Guarantee methods
Personal housing loans can implement three guarantee methods: mortgage, pledge and guarantee.
In the personal housing loan business, the main guarantee method adopted is mortgage guarantee
. Before mortgage registration is achieved, mortgage plus periodic guarantee is generally adopted
way.
The mortgage plus stage guarantor is usually the developer or sales unit of the house purchased by the borrower, and has signed a "Commercial Housing Sales Loan Cooperation Agreement" with the bank.
In first-hand housing loans, before the mortgage registration of the house is completed, the developer generally bears the stage guarantee responsibility.
In second-hand housing loans, intermediaries or guarantee agencies generally bear the responsibility of periodic guarantees. The borrower, mortgagor and guarantor should sign a mortgage plus phased guaranteed loan contract with the lending bank at the same time.
After the mortgaged house obtains the house ownership certificate and completes the mortgage registration, according to the contract, the mortgage plus periodic guarantor will no longer perform the guarantee responsibility.
If a mortgage guarantee is adopted, the mortgaged property must meet the legal conditions of the Security Law. The value of the mortgage is determined based on the market transaction price or appraisal price of the mortgage. If the borrower uses the purchased house as a mortgage, the bank usually requires that the entire value of the house be used as mortgage for the loan; if the borrower uses other properties recognized by the lending bank as a mortgage, the bank often stipulates that the loan amount shall not exceed a certain proportion of the value of the mortgage.
If the pledge guarantee method is adopted, the pledge can be certificate-type treasury bills issued by the Ministry of Finance, national key construction bonds, financial bonds, corporate bonds that comply with the regulations of the lending bank, corporate time deposit certificates, and personal time savings deposits. Securities such as certificates of deposit.
If a guarantee guarantee is adopted, the guarantor shall sign a guarantee contract with the lending bank. The loan guarantee provided by the guarantor to the borrower is a full joint liability guarantee, and borrowers and borrowers and guarantors are not allowed to provide mutual guarantees.
(6) Loan Amount
In personal housing loans, for those who purchase their first home and the building area is less than 90 square meters, the loan amount is generally based on the planned amount. The purchase price of a house is determined by deducting a down payment of not less than 20% of the price; for those purchasing the first self-owned house with a building area of ??more than 90 square meters, the loan down payment ratio shall not be less than 30%. If you purchase a house with a loan and apply to buy two or more houses, the down payment ratio shall not be less than 40%.
Bank Professional 2017 Personal Loan Review Handout: Prohibited Provisions on Banking Business
6.3 Prohibitive Provisions on Banking Business
6.3.1 Commercial banks grant credit to related parties Prohibition on Loans
Commercial banks shall not grant credit loans to related parties; the conditions for granting guaranteed loans to related parties shall not be better than the conditions for similar loans to other borrowers. The related parties mentioned in the preceding paragraph refer to: (1) Directors, supervisors, managers, credit business personnel of commercial banks and their close relatives; (2) Companies, enterprises and other companies in which the persons listed in the preceding paragraph invest or hold senior management positions economic organization.
The purpose of prohibiting the provision of credit loans to related parties is to improve the quality of credit assets of banks, reduce risks, create a fair and open lending environment, and prevent insider trading.
6.3.2 Prohibition of unfair means in the deposit and loan business of commercial banks
The specific manifestations of unfair competition behavior of my country’s commercial banks: First, unfair competition in interest rates; It is unfair competition in financial services.
6.3.3 Prohibition on inter-bank lending business
Inter-bank lending shall comply with the regulations of the People's Bank of China. It is prohibited to use borrowed funds to issue fixed asset loans or for investment.
What knowledge points are tested in the 2017 Banking Professional Qualification Examination?
Basic subjects for the Banking Qualification Examination (required): "Laws, Regulations and Comprehensive Abilities"
Question types for the Banking Junior Professional Qualification Examination: All are objective questions, including multiple-choice questions , multiple-choice questions and true-false questions.
Banking industry junior professional qualification examination subjects (you can choose any test): "Banking Industry Professional Practice" consists of "Personal Financial Management", "Risk Management", "Corporate Credit", "Personal Loan", " Bank Management》5 professional categories.
Intermediate Vocational Qualification Examination Subjects in the Banking Industry: "Banking Industry Laws, Regulations and Comprehensive Ability", "Banking Industry Professional Practice". Among them, "Banking Professional Practice" consists of three professional categories: "Personal Finance", "Corporate Credit", and "Personal Loans" (you can choose any exam).
The question types of the Intermediate Vocational Qualification Examination in the Banking Industry: single-choice questions, multiple-choice questions, true-false questions, connected questions, and fill-in-the-blank questions.
Suggestions:
1. Learning thinking route: Grasp the characteristics of the test questions being objective questions, integrate theory with practice to understand and master in the daily learning process, and do not memorize by rote. Grasp the logical line of the teaching material and grasp the overall framework of the teaching material.
2. Learning strategic arrangement: based on teaching materials, focusing on listening to lectures, and consolidating by doing questions.
2017 Banking Personal Loan Test Points: The Concept and Types of Personal Credit Objections
The Banking Professional Qualifications Column sincerely recommends "2017 Banking Personal Loan Test Points: The Concept and Types of Personal Credit Objections Types", I hope it will be helpful to the majority of candidates. For more related information, please continue to pay attention to this website.
(1) The concept of objection
Objection means that an individual denies or disagrees with the information reflected in his or her credit report.
The main reasons for objections include the following:
First, the individual’s basic information has changed, but the individual has not provided the changed information to commercial banks and other data reports in a timely manner. The reporting agency affects the update of information;
Secondly, the data reporting agency enters incorrect data information or does not update the information in a timely manner, causing the content reflected in the personal credit report to be incorrect;
The third is an error in data processing caused by technical reasons;
The fourth is someone else stealing or impersonating a personal identity to obtain a loan or credit card, and the resulting credit record is not known to the person who has been embezzled (the person being impersonated):
Fifth, the individual forgets that he or she has had any economic transactions with the data reporting agency (such as having applied for a credit card or loan), and therefore mistakenly believes that the information in the personal credit report is wrong.
Objection handling means that when an individual believes that the credit information in his or her credit report is incorrect, he or she can submit a written objection application through the credit management department of the People's Bank of China or directly to the Credit Information Service Center.
(2) Types of objections
At present, the objection applications often encountered in objection handling work mainly include the following types:
The first type It is believed that I have never applied for a certain loan or credit card. Typical situations include the following: others use or misappropriate personal identity to obtain credit or credit cards; the credit card is issued by an employer or a friend for the individual, but the credit card is not delivered to the individual; oneself forget whether he has applied for a loan or credit card.
The second category is that the overdue records of loans or credit cards are inconsistent with the actual situation. There are several typical situations: an individual's loan is repaid by the employer, guarantee company, or other institution on behalf of the individual as agreed, but the employer, guarantee company, or other institution fails to go to the bank in time to repay the loan, causing it to be overdue; the credit card applied for by the individual has never been used due to Overdue due to annual fee arrears; individuals are not clear about the bank's rules for confirming overdue payments, and overdue payments occur unconsciously.
The third category is when basic personal information such as identity, residence, and occupation is inconsistent with the actual situation. The objecting applicant originally filled in wrong information in the application materials, but later the basic information changed but did not go to the bank to update it in time; the personal credit database updated the information once a month, and the system did not reach the normal update time.
The fourth category is objection to the guarantee information.
Generally, there are the following situations: an individual's relatives or friends handle the guarantee procedures in the individual's name, but the individual forgets or does not know about it at all; the individual does not keep the documents well, causing others to use them fraudulently. Registration time for the 2017 Banking Professional Qualification Examination