What Is a Utilization Review?

The loan index utilization rate audit, also known as the loan index utilization rate audit, refers to the audit of changes in the average balance of bank loans or the cumulative change in the amount of loans to the loan plan indicators.

Loan indicator utilization audit

The loan index utilization rate is a measure of the actual use of the loan plan index

The main contents of the audit are:

(1) Analyze, compare and evaluate the specific loan index utilization rate of different industries, departments and units in order to find out the specific ways to improve the loan index utilization rate. And link the utilization rate of each specific indicator with the utilization rate of the comprehensive loan index, find out the degree of influence of the former on the latter, so as to provide relevant departments with information at any time, so that the combined utilization of loans will be beneficial to comprehensive balance and macro control Direction development

(2) Examine whether the determination of loan indicators is reasonable and whether there is a problem of widening, narrowing or narrowing;

(3) Examine whether the bank grants loans according to actual needs, implements the basic principles of credit, and insists on regular collection and regular loans.