1. Improve the content of post-loan inspection. Correct post-loan inspection management should include regular inspection and irregular inspection, with specific contents as follows:

(1) Monitoring the use of loan funds. Supervise the borrower to use the funds according to the purposes stipulated in the contract and shall not misappropriate them. For fixed assets loans, it is also necessary to supervise that the proportion of funds from other sources of the project is the same as that of bank loans.

(2) Analyze the macro business environment and master its influence on the production and operation of the borrower.

(3) Check the production and operation of the borrower. The key point is to check the borrower, product supply, production and sales of the borrower.

(4) Check the financial status of the borrower. The key point is to analyze financial statements and financial ratios, and grasp the development trend of borrowers' solvency, profitability and operating ability.

(5) Check the management level of the borrower. The key point is to investigate and understand the main management personnel and management system of the borrower and the possible impact on debt repayment.

(6) The borrower's major events inspection focuses on investigating and analyzing the borrower's major investment decisions, major system reforms, major creditor's rights and debts, major accidents and compensation.

(7) inspection of the guarantor. Referring to the investigation of borrowers, this paper focuses on the analysis of the changing trend of guarantor's guarantee ability.

(8) Inspection of mortgaged (pledged) goods. Mainly check whether the mortgaged property (pledge) is in good condition, whether the value has changed, whether the mortgagee (pledger) handles it without authorization, and whether the mortgage registration continues to be valid.

2. Improve the post-loan inspection and management procedures. For example, a post-loan inspection is conducted once a month, and a post-loan inspection report is formed according to the inspection results, and all credit personnel meetings are held regularly. The credit administrator will analyze and report the loan customers, current events in the guarantee situation, repayment ability, capital flow, guarantee ability, guarantee period and other matters that may affect the safety of bank loans. All credit personnel will study and judge whether there are risk warning signals, and the credit supervisor will be responsible for reviewing the post-loan inspection report and putting forward corresponding opinions, as well as organizing the analysis, interpretation and appraisal of the post-loan inspection report. The competent president will check the completion of the post-loan inspection work every quarter.

3. Establishing loan risk early warning signal and rapid response system Pre-supervision early warning signal refers to the occurrence of bad situations or signs that may cause customers to be unable to repay the due loan principal and interest or perform their duties. In the process of post-loan inspection, credit personnel should pay attention to identify whether the loan households have or will have a significant impact on the safety of credit assets, report to the leaders of the superior bank and the superior bank in time, and take corresponding measures to prevent and resolve risks as soon as possible.

4. Strengthen the cooperation and communication between the accounting front desk and the credit department, and timely monitor the capital movements of enterprises. Front-end accounting is also an indispensable part of post-loan management for enterprise monitoring and management. The credit department should cooperate closely with the front-office accounting department to establish a complete deposit fund account (including enterprise deposit balance and settlement amount) and interest account for loan customers, and strictly monitor the capital flow of loan customers.

5. Set up special post-lending supervision posts and personnel to inspect, guide and supervise post-lending inspection to ensure the quality of work. Banks should deploy outstanding talents to enrich the post-loan supervision work and be responsible for the inspection, guidance and supervision of the post-loan inspection work. The quantity and quality of post-loan supervisors should be based on the principle of ensuring the completion of supervision tasks, and at the same time, supervision should be carried out regularly and comprehensively, and every loan and lender should be spared to ensure the quality of post-loan supervision. The post supervisor should receive special training, and can only take up his post after passing the examination. At the same time, the post-executives should be trained and assessed regularly, so that they can constantly update their business knowledge and skills to meet the needs of changes in policies, markets and customers.

6. Improve the post-loan inspection and assessment incentives. A scientific and perfect management system must include strict and reasonable rewards and punishments. According to the requirements of post-lending management, banks should formulate the assessment methods and implementation rules of post-lending management, and incorporate the quality of post-lending management into the comprehensive assessment of credit personnel and credit departments, so as to organically combine responsibilities and rights. At the same time, give certain spiritual and material rewards to the departments and personnel who have outstanding performance in post-loan inspection management, and punish the department personnel who are irresponsible for their work or cause risks and losses, and reflect them in their job promotion, so as to enhance the responsibility and enthusiasm of credit personnel for post-loan inspection work.

7. Improve the comprehensive quality of post-loan management practitioners. By holding various kinds of post-loan inspection business training, the post-loan inspection personnel will be trained in batches and comprehensively, focusing on improving the ability of credit personnel to continuously monitor and analyze borrowers and related factors affecting the safety of credit assets, find early warning signals in time, actively take corresponding remedial measures, and conduct assessment after the end. Those who fail the examination shall not engage in post-loan inspection. Through this kind of training and examination, we will continuously improve the post-loan inspection: the quality of personnel and the quality of post-loan inspection.

Second, the bank loan officer examines the loan application of the enterprise. How to write the investigation report?

Mainly from the historical cooperation, basic information, upstream and downstream situation, trade description, financial analysis, guarantee analysis

Three, the bank loan officer to review the enterprise loan application, how to write the investigation report?

It is suggested to do a questionnaire survey with a form.