Bank & Loan

Banks, small loan companies, leasing companies, and other financial institutions whose main profit models are loan issuance, fund financing, and leasing income have the characteristics of large capital scale, strict regulatory rules, long compliance chain, and heavy risk consequences. From customer access, credit approval, contract signing, to post loan management, guarantee implementation, overdue collection, non-performing disposal, to compliance and internal control, regulatory inspection, dispute resolution, every link carries high legal and compliance risks. A slight carelessness may lead to contract invalidity, guarantee failure, regulatory penalties, stakeholder disputes, and even criminal legal responsibilities.WININLAWLawyers are familiar with national financial regulatory policies, credit business rules, and judicial judgments, and can provide full process, professional, and practical legal services for lending institutions such as banks, small loan companies, and leasing companies.Here are some of the service contents:

1. commercial bankaffair

Provide full process legal support for banks' corporate credit, personal loans, bill business, supply chain finance, etc.

2. Small loan company

assistThe loan approval, disbursement, and collection process of small loan companies, reviewing loan and guarantee documents, and strictly controlling the risk of illegal lending.

3. financial leasingaffair

Assisting financial leasing companiesProvide legal services for direct leasing, post-sale leaseback, and vendor leasingsupport。

4. The other party's creditinvestigation

assistCarry out activities for borrowers and leasing projectsinvestigationVerify the subject's qualifications, asset ownership, litigation situation, and major compliance risks.

5. Guarantee measuresimplement

Review the legality of guarantees such as mortgages, pledges, guarantees, joint guarantees, and deposits, and assist in handling mortgage registration and pledge delivery.

6. paymentpaymentcompliance

Assist in standardizingThe process of loan disbursement, entrusted payment, and supervision of fund usage, to prevent fund misappropriation, money laundering, and illegal lending.

7. Post loan and post lease management

assistpost-loan、After rentLegal support for inspection, risk warning, handling of major issues, extension, restructuring, borrowing new and returning old.

8. overdueaccount receivablecollection

Design a debt collection plan, issue a lawyer's letter, participate in negotiation and negotiation, assist in reaching a repayment plan, debt to equity swaps, and debt restructuring arrangements.

9. non-performing assetprocess

Assist in packaging and transferring non-performing assets, transferring debt, reviewing transfer agreements,Assist in debt collection for asset packages。

10Proxy for litigation cases

agentLoansLawsuit and arbitration for loan, leasing, and guarantee cases, application for property preservation, compulsory enforcement, and disposal of collateral;

11. Financial debt realization

Participate in debtor bankruptcy, reorganization, and settlement procedures, declare creditor's rights, exercise priority rights, and maintain the priority right of financial institution creditor's rights to be repaid.