After the bank's customer manager builds the WeChat group, how to say the first sentence

1. Credit reporting report shows that there is a large expire of the upcoming unreasonable loan
Risk reminder: To prevent customers from borrowing new and old risks.
2. The repayment method in the history of customer repayment is the one -time repayment of interest. One month before the final settlement, the repayment status is 1 or 2
The principal and interest is repaid at one time, and the repayment willingness is not strong. Due to this situation, the gold is paid after the collection is collected.
3. I found that the records of recent customer credit reporting are relatively frequent or closer to the loan application date (within one month)
Risk reminder: reflect the customer's loan in other banks that have not been successful or exist at the same time, applying for multiple strokes at the same time The possibility of loan. Focus on asking customers to operate. Determine the true intention of issuing customer loans. If the last query record is our trip, you should contact the last reason why the loan is not successful. Customers from preventing customers come to our bank to apply for loans.
4. Divorce Demonstrate Credit Credit Inquiry Day is closer
Risk reminder: To prevent customers from fake divorce, a person with better credit records to apply for loans. It is recommended to obtain its divorced spouse authorization to inquire about the spouse's credit reporting, or ask the customer for the reason for the divorce, and investigate the real situation.
5. Pay attention to the cumulative overdue and the longest overdue records
Risk prompts: For credit reporting reports, there are many cumulative overdue times, but recently recorded normal customers. Pay attention to the reasons for its historical overdue, and reasonably judge the willingness of customers to repay.
6. There are many customer credit cards, and more frequent use
Risk prompts: Explain that customer credit cards are cash frequently, confirming that customer funds are indeed short of shortage, and the reason for this situation is concerned.
7. Customers have multiple financial loans history
Risk reminder: generally have rich financing experience, understand the bank's loan process, and prevent the false risk of customer information and conceal the situation that is not conducive to its loan.
8. The credit report shows that the customer's loan settlement date is closer to the next loan date
Risk prompt: It reflects that the relationship between the customer and the original loan bank is more closely. Pay close attention to the reason why customers do not loan from the original loan.
9. Prevent "once named" risk
Risk reminder: Individual customers loans overdue or have adverse loan records in N bank. The name was changed to the police station, and then the "new name" went to other banks to deceive the loan. It is recommended to query the name.
10. The marriage relationship between the customer reporting report is inconsistent with the customer's submission
Risk prompts: Pay attention, especially for single customers who have come to legal age.
The case:
(1) A customer claims to be single, but he is older, 40 years old. The credit report reflects the client's marriage relationship. By asking customers and guarantors, the customer was found to be divorced. The divorce judgment showed that there were a large number of private loans to be repaid.
(2) Overdue customer claims to be single, but it is actually married. Through the relationship, the client issued a single certificate from the civil affairs department. After being overdue, it was found that the customer was married. During the investigation of the credit officer at that time, the credit report of the overdue customer was married, and the credit card handling staff registered an error.