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贷款的营销、发放必须充分重视各类可能影响贷款偿还的非财务因素,深入细致地开展信贷调查、审查,确保信贷资产的安全【案例描述】邓某租赁了一栋房产,原计划投资设立一家康复医院,总投资2000万元左右,因资金不足,向某银行贷款100万元,由张某、李某、吴某等3人担保。该房产的所有权人有2人,由张某、刘某共有。邓某租赁该房产时只与张某1人签订了租赁合同。协议签订后,邓某对租赁房产做了必要的装潢,已具备了基本开业经营的条件。但是,邓某没有想到的是,由于房产共有权人刘某与张某之间产生矛盾,刘某以对此租
Loan marketing, payment must take full account of all kinds of non-financial factors that may affect loan repayment, carry out detailed and detailed credit investigation, review and ensure the safety of credit assets 【Description】 Dengmou leased a real estate, originally planned to invest in the establishment of a Rehabilitation Hospital, a total investment of 20 million yuan, due to lack of funds to a bank loan 100 million by Zhang, Lee, Wu and other 3-person guarantee. The property owner has 2 people, from Zhang, Liu shared. Dengmou lease the property only with Zhang 1 signed a lease contract. After the signing of the agreement, Dengmou rented the necessary real estate, already have the basic conditions for the opening of business. However, Deng did not think that, as a result of the contradiction between the real estate co-owner Liu and Zhang, Liu to rent