Course Background:
On April 16, 2024, the State Administration of Financial Management (SAF) issued the Notice on the Implementation of <中国银保监会办公厅关于引导金融资产管理公司聚焦主业积极参与中小金融机构改革化险的指导意见>Relevant Matters (Jin Ban Ban Ban [2024] No. 474), which sets out clear requirements for the implementation of Circular No. 62 in 2022, expands the scope of application of batch transfer and structured transfer, and emphasizes the legal and compliance requirements for the disposal of non-performing assets.
On December 5, 2023, the Interpretation of the General Principles of Contract Codification of the Civil Code came into effect, and on July 1, 2024, the new Company Law came into effect, and on the same day, the "Three Measures" will also be implemented.
In the context of the implementation of the new regulations and new laws, this course aims to improve the comprehensive ability of commercial banks in the disposal of non-performing assets, especially in the capacity building of batch transfer and valuation, independent collection and negotiation, and application of new laws and judicial interpretations, and strive to build a professional collection team. Combined with the requirements of the new regulatory regulations, the new "Company Law" and the "Interpretation of the General Principles of Contracts of the Civil Code", this training comprehensively improves the professional quality and risk disposal ability of asset preservation personnel, legal affairs personnel, risk management personnel and lawyers through a large number of collection cases and practical explanations, which is both theoretical and practical, and is close to the actual work of commercial banks.
Teaching Target:
Asset preservation personnel, collection personnel, and legal affairs personnel of commercial banks and guarantee companies
Asset Management Companies: Liquidation Personnel
Law firm: a lawyer engaged in the collection of non-performing assets
1
A wonderful review of previous courses
2
Course outline
Module 1: Analysis of the whole process of batch transfer of non-performing assets of commercial banks and special training on the disposal of debt-bearing assets
The first part is the analysis of the whole process of batch transfer of non-performing loans
Introduction: The impact of regulatory changes on the transfer of non-performing assets
1. The premise of determining the disposal method of non-performing assets ---- capital cost and risk cost
2. The impact of changes in the asset market and regulatory policies on the bulk transfer of small and medium-sized banks
1. Batch transfer process and policy guidance of non-performing loans
1. Transfer logic: Why choose batch transfer?
2. Selection of transferred assets: priority and prudence
3. The basic process of batch transfer
4. Interpretation of the Guiding Opinions on Guiding Financial Asset Management Companies to Focus on Their Main Business and Actively Participate in the Reform of Small and Medium-sized Financial Institutions (Circular No. 62)
5. Advantages and disadvantages of non-performing asset securitization
2. How to strengthen cooperation with asset management companies
1. Understand the needs of asset companies 2. Negotiation and pricing
3. Ways and methods of internal due diligence - find bright spots
3. Three dimensions of non-performing asset valuation
1. The creditor's right itself 2. The debtor enterprise 3. Effective assets
4. Factors to be considered in the valuation of batch transfer of non-performing assets
1. Direction of cash recovery forecast 2. Main factors influencing the estimate
3. Prediction of disposal time 4. Common problems and solutions in the valuation of non-performing assets
5. Valuation process and example analysis of evaluation methods
1. Comparative method (detailed explanation) 2. Income method (detailed examples) 3. Cost method 4. Hypothesis development method
6. The order of distribution and valuation of non-collateralized seizures
1. Rules on the distribution of ordinary claims in enforcement proceedings
2. Explanation of the procedure of "execution to breaking".
3. Rights and remedies in enforcement
The second part is the repayment of debts in kind and the disposal of debts
1. The special concept of repayment of debts in kind
1. Debt repayment amount 2, net asset value of debt repayment 3, relevant taxes and fees 4, date of acquisition of debt assets
2. Accounting and tax treatment of debt-bearing assets
1. Financial treatment 2. Tax treatment
3. The relevant legal provisions and application of the payment of debts in kind
1. Civil Procedure Law and its interpretation
2. Provisions on several issues concerning the implementation of the settlement
3. Provisions of the Supreme People's Court on Several Issues Concerning the Enforcement Work of the People's Courts
IV. Methods and precautions for repayment of debts (repayment by agreement and repayment by adjudication)
(1) Methods of repayment of debts
1. Debt repayment by agreement 2. Judgment on debt redemption
(2) Conditions for bookkeeping - changes in property rights
1. The date of change of the property rights and rights of the real estate to be repaid by agreement
2. The date of change in the property rights and rights of the immovable property for the judgment of the debt
3. The date of change in the property rights of the movable property
5. Acquisition of bonded assets
(1) Conditions for repayment of debts
(2) The selection of assets to be redeemed
1. Acceptable assets 2. Prudently accepted assets 3. Unacceptable assets
(3) Reasonable determination of the amount of debt to be repaid
1. Determination of the amount of debt repayment by agreement 2. Determination of the amount of debt redemption by ruling
6. Disposal of debt-bonded assets
1. Occupation of risk assets, provision for price decline and calculation of returns
2. Disposal methods and disposal paths
3. Prevent defects in the rights of debt-bearing assets
4. Due diligence management of the holding and custody of debt-bearing assets
5. Taxes and fees on bonded assets
6. Disposal of bonded assets: how to find buyers? Rules applicable to self-auctions.
Module 2: Practical skills of non-performing loan collection and risk prevention in the whole process
Part 1: Practical Skills for Bad Clearance (All Dry Goods)
Lecture 1: Raising the awareness of the struggle against the collection of non-performing loans
1. Reshape the "spirit" of bad harvest
1. Concentrate and concentric
2. Break the cauldron and win the decisive battle
3. You can only advance but not retreat, and you can only win and not lose
2. The debtor's six major anti-urging strategies
1. "Free riding" mentality analysis and countermeasures
2. Mentality analysis and countermeasures of "moral kidnapping".
3. Mentality analysis and countermeasures of "breaking the jar and breaking it".
4. Analysis and countermeasures of the mentality of "powerlessness".
5. Analysis and countermeasures of the mentality of "turning defeat into victory".
6. Analysis and countermeasures of the mentality of "relying on the top".
Lecture 2: Psychological Warfare Methods of the New Model of Bad Clearance Negotiation
1. Five steps in collection negotiation
1. How to "Say" 2. How to "ask" 3. How to "quote" 4. How to "press" 5. Using the "Heart"
2. Six-step psychological warfare method for collection
1. Grasp the psychology 2. Identification of reasons for overdue 3. Break through false pretenses
4. Pressure rises step by step 5. Mind Prevails 6. Reach a repayment plan
Lecture 3: Practical Strategies for Bad Collection and the Way to Delay Repayment
First, the six major collection strategies
1. How to use the "Repeater Strategy" 2. How to use the "Surface Strategy"
3. How to use the "Over/Lo" strategy 4. How to use the "Black and White Face Strategy"
5. How to use the "Temptation to Indulge" strategy 6. How to use the Logging Policy
Second, the practical skills of delaying and not repaying after cracking the promise
1. How to implement "time" 2. How to implement the "amount" 3. How to implement "sources"
4. How to implement the "backup plan" 5. How to implement "next time" 6. How to Strengthen "Commitment"
7. How to strengthen "questioning" 8. How to Enhance "Recording" 9. How to Enhance "Records"
Part 2: Risk prevention in the whole process of credit
Lecture 1: From "Old Three Loans" to "New Three Loans"
1. The old three loans: fear loans, reluctant loans, and rotten loans 2. New three loans: dare to lend, willing to lend, and will lend
3. Due diligence and exemption from liability, and the loan should be exhausted
Lecture 2: How to do due diligence and exemption before taking out a loan?
4. Real-time field investigation 5. Meet four types of people 6. Visit five places 7. Key inspections 8. Data analysis
Lecture 3: How to achieve due diligence and exemption from liability in loans?
Interview with five cores
1 core: nuclear body 2 core: certification 3 core: nuclear seal 4 core: nuclear power 5 core: nuclear matter
Lecture 4: How to do due diligence and exemption after the loan?
1. Four key points of post-loan visits
1. Whether the purpose of the loan is correct
2. What changes have occurred to the customer's situation after the loan has been used
3. Whether there is any change in the collateral
4. Whether the customer has a new loan application
2. Early identification technology of hidden risks
1. Lack of cooperation 2. Abnormal cash flow
3. Poor external evaluation type 4. Unstable factor type is present
5. Dispute type 6. False and abnormal financial indicators
7. Tight customer capital chain 8. Weakened mortgage conditions
9. Problems in the main business 10. Management disorder
3. Take measures to stop losses
1. Announce the maturity of the loan in advance 2. Timely collection 3. Resolve in a timely manner
Module 3: Interpretation of the General Principles of Contract Codification and the Disposal of Non-performing Assets of Financial Institutions under the New Company Law
and coping strategies
Topic 1: Struggle for the realization of creditor's rights
1. Creditor's rights and financial creditor's rights;
2. Two characteristics of creditor's rights;
3. Strive for the realization of creditor's rights;
Fourth, the three major systems to ensure the realization of creditor's rights;
1. Strengthen the omnipotence of creditor's rights; 2. Debt guarantee system; 3. Civil liability system.
5. How to understand the guarantee?
1. Guarantee - a system to ensure the realization of creditor's rights; 2. Typical and atypical guarantees;
3. The operating principle of the guarantee system; 4. The principle of operation of the guarantee system;
5. Other systems with guarantee functions.
6. Common ways of disposal of non-performing assets;
7. 10 major paths to the realization of creditor's rights;
8. Issues that need to be paid attention to when choosing the path of realization of creditor's rights;
9. Third-level debt-bearing entities;
10. Expand the path of debtors;
11. Analysis of Common Debt Assets - Where Does the Money Come From?
12. On the way of undertaking debts;
XIII. Summary.
Topic 2: Recovery through the corporate personality denial system
Practical issues: Can the shareholders be required to repay the company's external liabilities together?
1. The two cornerstones of the company law - independent legal personality + limited liability of shareholders;
2. What is the denial of corporate personality - interpretation of Article 23 of the Company Law;
III. Changes: Horizontal Personality Denial - Interpretation of Article 23, Paragraph 2 of the Company Law;
4. Interpretation of Articles 10-13 of the Minutes of the Nine People's Minutes
1. The provisions of the Minutes of the Nine People's Meeting on the denial of the company's personality;
2. How to understand personality confusion? 3. How to understand excessive dominance and control?
4. The litigation status of the relevant subjects; 5. Analysis of typical cases of the Supreme People's Court.
5. Denial of the personality of a one-person company;
6. Practical issues: Is it applicable to de facto one-person companies?
7. On substantive merger and bankruptcy.
Topic 3: Recovery through capital contribution liability
1. What is registered capital?
2. The limited liability company is changed from a subscription system to a limited subscription system;
3. The term of subscribed capital contribution of a limited liability company is limited to five years - interpretation of articles 47, 228 and 266 of the New Company Law;
4. Changing the subscription system to the paid-in system for a company limited by shares - Interpretation of Articles 98, 228 and 266 of the New Company Law;
5. Equity and creditor's rights can be used as capital contributions - Interpretation of Articles 48 and 98 of the New Company Law;
6. Legal liability of shareholders for evading capital contributions: Interpretation of Article 53 of the New Company Law;
(1) The specific circumstances of the shareholder's withdrawal of capital contribution - Article 12 of Interpretation III of the Company Law;
(2) Obligation to return to evaded shareholders – Article 53 of the New Company Law;
(3) Liability of directors, supervisors and senior executives;
Practical Issues: Analysis of the Impact of Shareholders' Withdrawal of Capital Contributions on Creditors and Rights Protection Strategies?
7. Clarifying the responsibilities of shareholders and other shareholders with defective capital contributions for defective capital contributions - Interpretation of Articles 49, 50 and 99 of the New Company Law;
8. Clarification of shareholders' loss of rights and shareholders' obligations to cover up - Interpretation of Article 52 of the New Company Law;
Practical issues: If the shareholders fail to pay the capital contribution on time and the board of directors fails to make a reminder in time, what should the creditors do?
Practical issues: Does the losing shareholder still need to be liable for the company's debts within the scope of the unpaid capital contribution?
Practical issues: How should shareholders deal with the loss of equity after they lose their rights?
Practical Issues: How to Understand the Obligations of Other Shareholders? If other shareholders do not contribute, what should creditors do?
9. Clarification of the conditions for unconditional acceleration of the expiration of the capital contribution - Interpretation of Article 54 of the New Company Law;
Practical issues: How to understand the term "non-liquidation" under Article 54 of the New Company Law?
Practical issues: How can lenders take advantage of the latest provisions of "accelerated maturity" to hold shareholders liable for failing to pay their capital contributions in full when shareholders have not paid their capital contributions?
10. Clarify the liability for capital contribution in the case of non-payment of capital contribution equity and defective capital contribution equity transfer - Article 1 of the New Company Law
88 interpretations;
Topic 4: Liability recovery through illegal capital reduction
1. Will there be a wave of capital reduction under the background of the new company law?
2. Provisions of the New Company Law on the Procedures for Reducing the Company's Capital - Interpretation of Article 224;
3. Interpretation of Article 225 on simplified capital reduction;
IV. Consequences and Responsibilities of Illegal Capital Reduction - Interpretation of Article 226.
Practical issues: The legal consequences of failing to notify creditors of capital reduction?
Practical issues: Can the announcement of capital reduction exempt creditors from the obligation to notify creditors?
Practical issues: How to determine the scope of creditors when a company reduces its capital?
Practical issues: Can shareholders be exempted from liability if the resolution to reduce capital is not signed by the person?
Topic 5: Recovery through liquidation liability
1. Self-dissolution and compulsory dissolution;
2. Changes in liquidation obligors in the New Company Law;
3. Self-liquidation of the company - interpretation of Article 232 of the New Company Law;
4. Court-appointed liquidation: Interpretation of Article 233 of the New Company Law;
V. Functions and Powers of the Liquidation Group - Interpretation of Article 234 of the New Company Law;
6. Liability for failure to liquidate within the statutory time limit - Article 18 of Interpretation II of the Company Law;
7. Liability for negligence in performing liquidation obligations - Article 18, Paragraph 2 of Interpretation II of the Company Law;
8. Declaration of creditor's rights - interpretation of Article 235 of the New Company Law;
9. Formulating a liquidation plan and disposing of the company's property - Interpretation of Article 236 of the New Company Law;
10. Application for bankruptcy liquidation - interpretation of Article 237 of the New Company Law;
11. Duty of Loyalty and Duty of Diligence of Members of the Liquidation Group - Interpretation of Article 238 of the New Company Law;
12. Preparation of liquidation report and application for deregistration - Interpretation of Article 239 of the New Company Law;
13. Provisions of the minutes on the liability of the liquidation obligor of a limited liability company;
1. Determination of negligence in performing liquidation obligations - Interpretation of Article 14;
2. Causation Defense - Interpretation of Article 15;
3. Limitation period - interpretation of Article 16;
Typical precedents: Determination of negligence in performing liquidation obligations; Typical precedents: causation defense;
Typical case: defense of statute of limitations.
14. Under the background of the New Company Law, how can financial institutions use the liquidation obligation to realize their creditor's rights?
Topic 6: Recovery of liability through illegal cancellation
1. Interpretation of Article 240 of the New Company Law on simplified deregistration;
II. Compulsory Deregistration - Interpretation of Article 241 of the New Company Law;
III. Liability for Illegal Cancellation - Interpretation of Article 19 of Interpretation II of the Company Law;
4. Liability for the company to be unable to liquidate due to the deregistration without liquidation - Interpretation of Article 20, Paragraph 1 of Interpretation II of the Company Law;
V. Liability of the Liquidation Group for Failure to Perform the Notification Obligation - Interpretation of Article 11 of Interpretation II of the Company Law;
6. Typical case: If the loan term has not expired and the company is cancelled, how to bear the responsibility?
7. Typical case: illegal cancellation, shareholders are judged to be liable for the company's debts?
Topic 7: Determination of the validity of multiple contracts for the same transaction
1. The validity of civil juristic acts of conspiracy to make false representations of intent? - Interpretation of Article 146 of the Civil Code;
2. What is the legal effect and consequences of entering into multiple contracts between parties for the same transaction? - Interpretation of Article 14 of the Interpretation of the General Principles of Contracts;
(1) Accurately identify the yin contract and yang contract in the "yin and yang contract";
(2) the difference between a yin-yang contract and a contract change;
Practical issues: What is the validity of a contract signed between a financial institution and a related party in the form of a "yin-yang contract" or "drawer agreement"?
Practical issues: What is the legal effect of a rural commercial bank that packages and transfers non-performing assets to an asset management company, and the asset management company entrusts the bank to clear them, and the two parties sign a drawer agreement for the bank to carry out the back-up or repurchase?
SPC Gazette Case: The transfer of non-performing loans carried out by a bank with a false indication of intent is invalid.
Typical case: A bank A and a bank B contract dispute case.
Supreme People's Court Case: The signing of a comprehensive credit line contract or a deposit receipt pledge contract with false intent should be found invalid.
3. Risk Warning and Suggestions.
Topic 8: Legal issues related to the payment of debts in kind
1. Relevant provisions of the Measures for the Management of Bank Debt Repayment Assets;
2. The validity and nature of the agreement to settle debts in kind;
3. What is the validity of an agreement in rem reached after the expiration of the debt performance period? - Interpretation of Article 27 of the Interpretation of the General Principles of Contract Compilation;
IV. The validity of the debtor or a third party and the creditor reaching an agreement to settle debts in kind before the expiration of the debt performance period——Interpretation of Article 28 of the Interpretation of the General Principles of Contract Compilation;
5. The nature of the agreement in rem (practical or promised);
6. How does the court handle the agreement in rem reached in litigation (including the first and second instances)?
7. Can the court issue a civil mediation document based on the debt repayment agreement in the litigation?
8. Repayment of debts in kind in enforcement proceedings;
Practical issues: After a financial institution and the debtor have reached an agreement to settle debts in kind, can they still require the debtor to perform the old debts (original debts)?
Practical issues: Does the bank of the debtor's assets ruled by the court need to go through the transfer procedures? What are the risks if the transfer is not completed in time?
Practical issues: Can the execution of other creditors be opposed to the mere agreement of repayment of debts in kind?
Practical issues: How should a bank deal with the claims or seizure of the bank's untransferred assets by other parties?
9. Risk Warnings and Suggestions.
Topic 9: Application of the Third Party Settlement Rule - Significant Implications for Liquidation
1. Interpretation of Article 524 of the Civil Code;
II. Scope of Third Parties with Legitimate Interests in the Performance of Debts - Interpretation of Article 30 of the Interpretation of the General Principles of Contract Compilation;
3. The scope of the third party's exercise of power - does it include the creditor's power over the guarantor?
4. How to understand the "shall not harm the interests of creditors" as stipulated in Article 30 of the Interpretation of the General Principles of Contracts?
Practical issues: Whether the guarantor or the third party providing the security of the goods can obtain the creditor's debt if the guarantor or the third party providing the security of the debt can be obtained from the creditor
Employees' rights? - On the right of subrogation for liquidation;
Practical issues: How should the guarantor claim security rights against other guarantors after performing the debt on behalf of the guarantor and obtaining the creditor's rights? - Interpretation of Paragraph 3 of Article 30 of the Interpretation of the General Principles of Contract Compilation;
Practical issues: Can the transferee, usufructuary or lawful possessor of the secured property obtain the creditor's rights against the debtor if they pay off the debts on their behalf?
Practical issues: Whether the subordinate security holder on the secured property can obtain the creditor's debt by paying off the debt on behalf of the debtor
Employees' rights?
Practical issue: Can the buyer of the house pay off the debts on behalf of the debtor obtain the creditor's rights against the debtor?
Practical issues: Can the debtor's close relatives obtain the creditor's rights against the debtor if they pay off the debts on behalf of the debtor?
5. Risk Warning and Suggestions.
Topic 10: Subrogation of Preservation of Contracts
1. Interpretation of the new changes in subrogation in the Civil Code - Articles 535, 536 and 537.
2. General precautions;
Practical issues: How to understand that "the debtor's negligence in exercising its creditor's rights or subordinate rights related to the creditor's rights affects the debtor's debts."
The right holder's due claims are realized"? - Interpretation of Article 33 of the Interpretation of the General Principles of Contract Compilation;
Practical question: What rights are "exclusive to the debtor"? - Interpretation of Article 34 of the Interpretation of the General Principles of Contract Compilation;
Practical issues: How to determine the competent court for subrogation actions? - Interpretation of Article 35 of the Interpretation of the General Principles of Contract Compilation;
Practical issues: After the creditor files a subrogation lawsuit, if the debtor or the counterparty raises an objection to the court supervisor on the ground that there is an arbitration agreement between the creditor's rights and debts between the two parties, how will the court deal with it? - Interpretation of Article 36 of the Interpretation of the General Principles of Contract Compilation;
Practical issues: After the creditor sues the debtor in the people's court, and then files a subrogation lawsuit against the debtor's counterparty in the same people's court, how does the court deal with it? - Interpretation of Article 38 of the Interpretation of the General Principles of Contracts;
Practical issues: How should the court deal with the creditor's claim if it does not meet the conditions for exercising subrogation? - Interpretation of Article 40, Paragraph 1 of the Interpretation of the General Principles of Contract Compilation;
Practical issues: Can a subrogation lawsuit be filed if the creditor-debtor relationship between the creditor and the debtor has not been confirmed by an effective legal document? - Interpretation of Paragraph 2 of Article 40 of the Interpretation of the General Provisions of the Contract Compilation;
Attached: 6 typical cases on subrogation.
3. Risk warnings and suggestions.
Topic 11: Right of rescission of contract preservation
1. Interpretation of the new changes in the Civil Code on the right of revocation - Articles 538 to 542.
2. General precautions.
Practical question: How to determine the "obviously unreasonable" low or high price? - Interpretation of Article 42 of the Interpretation of the General Principles of Contract Compilation;
Practical issues: Is it a revocable act for a debtor to barter property, settle debts in kind, lease or lease property, or license the use of intellectual property rights at an obviously unreasonable price? -- Interpretation of the General Principles of Contract Compilation
43 interpretations;
Practical Issues: Subject Identity and Jurisdiction in Avoidance Proceedings? - Interpretation of Article 44 of the Interpretation of the General Principles of Contract Compilation;
Practical issues: Can the debtor and the counterparty be required to bear the reasonable lawyer's fees, travel expenses and other expenses paid by the creditor for exercising the right of avoidance? - Interpretation of Article 45 of the Interpretation of the General Principles of Contracts;
Practical issues: Can a creditor apply for preservation measures against the counterparty's property in an avoidance lawsuit? Interpretation of Article 46 of the Interpretation of the General Principles of Contracts.
Attached: 3 typical cases of the right of revocation.
3. Risk warnings and suggestions.
Topic 12: Other legal issues that need attention
Practical issues: If the grantor fails to notify the debtor, can the assignee directly sue the debtor for performance of the debt? - Interpretation of Paragraph 2 of Article 48 of the Interpretation of the General Principles of Contracts;
Practical question: Does the assignee's notice have the legal effect of notification?
Practical issues: If the loan contract has expired, can the financial institution directly deduct the money from the borrower's deposit account to offset the debt? - Interpretation of Article 56 of the Interpretation of the General Principles of Contract Compilation;
About the Lecturer:
Mr. Chen: Practical lecturer of credit risk control of commercial banks, general manager of the legal affairs department and legal collection department of the provincial bank, people's assessor of the Municipal Intermediate People's Court, financial arbitrator of the Municipal Arbitration Commission, member of the self-discipline and rights protection committee of the Provincial Banking Association, internal trainer of credit law, compliance management and non-performing disposal, 14 years of experience in law, compliance and credit risk control, 10 years of training experience, and an expert in training course customization.
Mr. Pan: He has been engaged in corporate training and management for many years, and has nearly 20 years of experience in the financial industry such as bank credit and non-performing collection, and has been responsible for the "Special Training Camp for the Backbone of National Branches of Credit Business Line" of a bank, strengthening the awareness of compliance operation, sorting out the key risk points of the credit process, resolving historical risks and preventing new risks, and laying a solid foundation for building a compliant, professional and efficient credit team.
On the basis of systematically mastering the theory of enterprise management science, the teacher develops and teaches practical and effective courses according to the practice of enterprise development, with rich teaching experience, and the teacher has taught for more than 1,000 days so far, with more than 10,000 trainees and more than 95% student satisfaction.
Mr. Sun Zitong: Chief Expert Consultant of China Enterprise Qingda Education Group, Lawyer of Beijing Yingke Law Firm, with senior credit manager qualifications, focusing on banking, guarantee and other fields, teaching more than 100 days a year, and training tens of thousands of students, Mr. Sun has accepted Bank of China, Industrial and Commercial Bank of China, Postal Savings Bank, Minsheng Bank, Bohai Bank, CITIC Bank, Changsha Bank, Dazhou Bank, Huarong Xiangjiang Bank, Zhangjiakou Bank, Cangzhou Bank, Weihai Bank, Bank of Dezhou, Bank of Guizhou, Bank of Guiyang, Hubei Bank, Bank of Taizhou, Bank of Ya'an, Bank of Gansu, Bank of Rizhao, Bank of Guangzhou, Bank of Qingdao, Bank of Luzhou, Bank of Ningxia, Bank of Liaoyang, Guiyang Rural Commercial Bank, Shangrao Bank, Dezhou Rural Commercial Bank, Zhongyuan Bank, Wuhan Rural Commercial Bank, Zhongshan Rural Commercial Bank, Jiangmen Rural Commercial Bank, Luoyang Rural Commercial Bank, Deyang Credit Union, Hunan Provincial Union, Xiangtan Rural Commercial Bank, Puyang Rural Commercial Bank, Chinese Life Property Insurance Company, Hebei Rural Credit Union Chengde Audit Center, Quzhou Municipal Office, Inner Mongolia Autonomous Region United Society, Xinjiang Autonomous Region Association and other institutions as well as provincial financial associations invited to teach practical training courses, the content of the lectures is well received by the students, and he is a well-known domestic expert in credit, guarantee, Internet finance and other industries authoritative risk management and control.
Course fees
Course time: June 13-15 (June 12 is the full day registration)
Training location: Chongqing
Charging standard: 4580/person
For more information:
Scan the QR code to add the course advisor's WeChat
Tong Jinbei
13611182280 (same number on phone and WeChat)