In the afternoon, Chen Zihao told Qiu Weiqiang and Xu Feng that Sun Guibao of Red Star Furniture Factory applied for a working capital loan of 100,000 yuan, and went to the field together for a while, the two nodded and didn't say anything, and went to Red Star Furniture Factory together.

On the way, Chen Zihao said: "Xu Feng, after this investigation, you will be responsible for writing the investigation report, after all, you are a loan officer, and you have to master a lot of knowledge, so make a good investigation record, the base is clear, and it will be easy to write when the time comes." ”

"Today is my first time conducting an investigation, and I didn't know anything about it before, so I don't know where to start." Xu Feng said.

"Let Director Qiu tell you about the things inside, he is an expert in this regard." Chen Zihao said.

"According to the rules and regulations of credit management, the main contents of the loan investigation report are: the basic information of the customer and the qualifications of the entity. Loan amount, purpose, term, type, interest rate, repayment method and restrictive terms. Client's financial situation, operating efficiency and market analysis. Guarantee situation and credit risk assessment, the comprehensive benefit of the credit business sub-loan survey opinions. Qiu Weiqiang said.

Pre-loan investigation is the first pass of loan issuance, and it is also an important procedure and link of credit management, and the quality of pre-loan investigation is directly related to the correctness of loan decision-making. Therefore, it is the key to carry out the pre-loan investigation of the enterprise, and in the process of loan investigation, it is not possible to stick to the information provided by the borrower, resulting in the pre-loan investigation being untrue, which is the dereliction of duty of the loan officer. Therefore, in the pre-loan investigation, in addition to the necessary investigation of the applicant according to the general investigation method, it is also necessary to conduct in-depth verification and analysis of the applicant's relevant situation from the following aspects, so as to find out the true background of the applicant.

To investigate the authenticity of the enterprise, it is necessary to go to the administrative department for industry and commerce to verify the registration record and annual inspection record of the enterprise, understand the historical origin of the enterprise, the amount of capital contributed by the investor, and confirm the true identity of the enterprise. The investigation of the basic situation of the relevant legal representative and other senior management personnel should be subject to the registration of the industrial and commercial department, and should not blindly follow the information introduced by the enterprise, so as not to make wrong judgments.

In the investigation of the credit ethics and credit character of the loan applicant, on the one hand, it is necessary to investigate the applicant's accounts payable books and detailed accounts, and understand the length of time the applicant owes others the detailed accounts in arrears. According to the actual situation, if necessary, you can call or send a letter to the enterprise that is in arrears. Investigate the reasons why the applicant defaults on the payment of others, so as to find out the consistent credit ethics and solvency of the enterprise.

In the survey of production and operation management capabilities, it is necessary to check the growth rate of various indicators in the past two years, especially the changes in market share, which can better reflect the changes in the competitiveness of enterprises. Second, it is necessary to check the amount of accounts receivable in the past two years, increase or decrease the rate of aging, prevent the enterprise from inflating sales and profits, and also understand the reasons for the arrears of the applicant from its upstream enterprises, so as to understand the applicant's product quality competitiveness and market prospects. Through financial expenses, capital turnover rate, sales profit margin, gross profit margin per unit product, management expenses and other indicators to judge the changes in the applicant's management ability. Understand the changes in the electricity and water charges paid by the applicant, and understand the changes in the production volume and operating rate. In general, the production volume of enterprises is directly proportional to the energy consumption, so that it is possible to avoid only listening to the applicant's side of the story.

Survey of profitability. At present, the easiest way is to go to the tax department to understand the payment of the applicant's income tax, so that the applicant's net profit is clear at a glance. If the accounting statements provided by the applicant to the bank are inconsistent with the statements provided to the tax department, the reasons can be analyzed together with the tax department applicant so that the bank can clearly know the true profitability of the applicant.

In the investigation of the authenticity of liabilities, the bank loans of some enterprises are not accounted for in the corresponding accounts to adjust their asset-liability ratios, and some enterprises do not carry out accounting treatment of notes payable such as bank acceptance bills; There are also enterprises that do not register the provision of guarantees at all, which brings many false impressions to the pre-loan investigation of banks. At present, it is relatively feasible to consult the central bank's credit registration system. The scope of registration mainly includes enterprises and institutions that handle credit business and other economic organizations registered in China. The contents of the registration include the current loans of commercial banks, bank acceptance bills, letters of credit, guarantees, guarantees, as well as the basic profile of the borrower and other major economic events.

"Through the investigation of these aspects. It can have a more comprehensive understanding of the applicant's basic situation, so as to provide real and complete basic information for loan decision-making. Chen Zihao said.

"When the loan officer accepts the loan of the new customer, he must do a good job of pre-loan investigation, and he cannot ask about the matter, let alone reduce this link. Only by operating according to the rules and dutifully handling it according to the established procedures can the funds be profitable. Only then can assets be less or not subject to losses and ensure the normal operation of funds. Qiu Weiqiang said.

"If in the process of pre-loan investigation, you fail to fulfill your investigation obligations, do not have an objective and full understanding of the customer's basic situation, business conditions and risks, or even look at the situation and do things perfunctorily. It cannot really play the role of pre-loan investigation, and such an investigation itself has a greater risk. An irresponsible pre-loan investigation may lead to the creation of a non-performing loan, and the final result will be a series of work such as overdue collection of arrears and even the need for prosecution. After the loan is not in good shape, it often takes months or even years to fully absorb it, which consumes the time and energy of the staff. It also erodes the profits of the comptoirs. Chen Zihao said.

"Pre-loan investigation is the cornerstone of loan issuance, so it is necessary to do a good job in this work to avoid loan mistakes, reduce the risk of credit assets, and ensure the safety of credit funds." Qiu Weiqiang said.

Coming to the Red Star Furniture Factory, Sun Guibao was waiting for them in the office, and was very happy to see them coming, personally making tea and pouring water for them, and the three of them hurriedly expressed their gratitude. Chen Zihao introduced Qiu Weiqiang and Xu Feng, and Sun Guibao took the initiative to shake hands to welcome.

"We have received your loan application and are here today to investigate and hope that you will provide relevant information truthfully so that we can make a decision." Chen Zihao said.

"I have received several orders from customers in the past two days, a lot of them, because of the need to import raw materials, so I am short of funds, and I need the strong support of your bank." Sun Guibao said and took out the customer order to let Chen Zihao >

Chen Zihao took it over to Qiu Weiqiang, Qiu Weiqiang nodded, called the manager in charge of finance, and chatted with them about the business situation. Mainly engaged in all kinds of furniture, with an annual output value of several million yuan and an annual profit of about 300,000 yuan, but the receivables have not been recovered, because they are old customers for many years, afraid of affecting the future business, embarrassed to urge, but because of the need to buy raw materials and funds, they have to apply for loans from the bank.

Qiu Weiqiang asked him for the financial statements of the past two years, such as assets and liabilities, and further verified and understood the relevant figures, Sun Guibao and the manager answered truthfully, and Xu Feng made detailed records on the side.

"You need a property mortgage guarantee for this loan of 100,000 yuan in accordance with the bank's regulations, and go to the appraisal department for registration." Qiu Weiqiang said.

"My equipment is worth more than a million yuan, and it was all added this year, if it weren't for the updated equipment, my funds would not be so tight." Sun Guibao said.

"I will go to your workshop in a while, and we can decide whether the collateral has collateral value or not." Qiu Weiqiang said.

"Absolutely, you'll know when you go." Sun Guibao said. Then he came to the production workshop for a field inspection, and checked the equipment of the machine according to the property list, which was consistent with Sun Guibao, and Chen Zihao nodded.

"Xu Feng, can you also issue this loan for the company?" Chen Zihao asked.

"From their balance sheet and actual survey, the production is greater than the debt, and there is a good profit, the market prospect is not a problem, and the loan can be disbursed." Xu Feng said.

"I also agreed to grant this loan." Qiu Weiqiang said.

"Well, that's it, according to the production and operation capacity of the enterprise, agree to issue this loan, and go through the mortgage procedures in accordance with the regulations." Chen Zihao said.

"In order to determine the authenticity of the company's operation, please bring these materials tomorrow so that we can write an investigation report and go through the mortgage registration procedures." Qiu Weiqiang said and made a list of required materials.

"I will start preparing immediately, I will do what the specific procedures should do, and I will follow your arrangements, and we will fully cooperate with whatever you need." Sun Guibao said.

"Tomorrow you go to the office to go through the formalities, and you can get a loan after the formalities are completed, and the funds will be transferred to your account." Chen Zihao said.

"Thank you so much, solve my urgent need, apply for a loan in the morning, come to inspect in the afternoon, your work efficiency makes me admire, otherwise I am still worried about the matter of funds, if you can't solve it, you have to borrow usury, but the interest is too high, people can't afford it at all." Sun Guibao said.

"Usury is an illegal act, we need funds to go to the bank, and it is our bank's responsibility to support the development of enterprises, as long as the loan conditions are met, it must be disbursed in time." Chen Zihao said.

"Through the investigation, your business has a certain scale, and you can come to us at any time if you need funds in the future, and we will definitely support you strongly." Qiu Weiqiang said.

"Thank you for your trust in me, I haven't dealt with the bank before, I thought it would be difficult to get a loan, it would take a long time, I didn't expect you to agree so easily." Sun Guibao said.

"As long as you keep your word and return it when it expires, we will deal with it for a long time in the future." Chen Zihao said.

"Great, with the strong support of the bank, my business will get better and better." Sun Guibao said. (To be continued.) If you like this work, you are welcome to vote for the recommendation ticket, your support is my biggest motivation. )