Loan Business Topics

Chinese source: 贷款业务专题 Locale: en-US Audience: Internal learning

Loan business topics build the business model before screen-by-screen documentation is added. Future screen guides should link back to these topics instead of repeating the same loan concepts on every page.

Topic Index

Topic	Focus
Loan Core Basics	What loan core manages and how it differs from deposit core.
Credit Lines, Loan Agreements, and Notes	The relationship among exposure, contract, note, and repayment schedule.
Loan Lifecycle	The full path from application to payoff or charge-off.
Loan Products and Repayment Methods	How product rules and repayment methods shape loan behavior.
Disbursement, Repayment, and Accounting Entries	How loan assets, customer accounts, receivables, and income connect.
Interest Accrual, Billing, Penalty Interest, and Compound Interest	Normal interest, delinquency interest, and compound interest boundaries.
Repayment Schedules and Installment Breakdown	How principal, interest, fees, and penalties are split by period.
Delinquency, Collections, and Loan Status	Delinquency aging, collections actions, and status migration.
Collateral, Pledges, Mortgages, and Guarantees	How collateral and guarantors reduce credit risk.
Loan Risk Classification and Allowance	Five-grade classification, allowance, impairment, and charge-off.

Suggested Reading Order

Start with Loan Core Basics and Credit Lines, Loan Agreements, and Notes. Then read Loan Lifecycle before moving into products, disbursement, repayment, delinquency, collateral, and risk classification.