Legal basis: Article 13 of the Interim Measures for the Administration of Personal Loans. After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application and related materials, and form an investigation and evaluation opinion.
Article 14 The loan investigation includes but is not limited to the following contents:
(1) Basic information of the borrower;
(2) The income of the borrower;
(3) the purpose of the loan;
(4) The source, ability and method of repayment of the borrower;
(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.
Fifteenth loan investigation should be based on field investigation, supplemented by indirect investigation, and take on-site verification, telephone inquiry, information consultation and other ways and methods.
Article 16 On the premise of not damaging the legitimate rights and interests of the borrower and controlling risks, the lender may prudently entrust a third party to handle some specific matters in the loan investigation, but the qualifications of the third party must be made clear.
The lender shall not entrust all matters of loan investigation to a third party.
Seventeenth lenders should establish and strictly implement the loan interview system.
Where low-risk pledged loans are issued through electronic banking channels, the lender shall at least take effective measures to determine the true identity of the borrower.