In the process of examination and approval, the following contents are generally required:

(1) credit information integrity and compliance review of investigation and reporting process

① Whether the borrower, guarantor (property) and relevant materials of the specific loan business are complete, and the application materials and their contents should be legal, true and effective.

② Whether the internal operation data of the loan business is complete, whether it is operated according to the prescribed procedures, whether the investigation procedures and methods are in compliance, whether the investigation contents are comprehensive and effective, and whether the investigation conclusions and opinions are reasonable.

(2) Review the subject qualification and basic situation of the borrower.

The legitimacy of the borrower's subject qualification and business qualification, and whether the loan purpose is within the business scope stipulated in its business license.

(2) the borrower's shareholder strength and registered capital in place, whether the property rights relationship is clear, and whether the corporate governance structure is sound.

③ Whether the borrower has fulfilled the authorization procedures stipulated by laws and regulations or the articles of association when applying for a loan.

(4) the borrower's bank and commercial credit records, as well as the background, main resumes, conduct and personal credit records of the legal representative and core management personnel.

(3) Compliance review of credit business policies

① Whether the loan purpose is legal and compliant, and whether it conforms to the national macroeconomic policy, industrial policy, land, environmental protection and energy conservation policy and national monetary and credit policy.

(2) Whether the customer's access and loan use are in line with the bank's credit policies for regions, customers, industries and products.

③ Whether the borrower's credit rating, credit line verification, pricing, term and payment method conform to the bank credit policy system.

(4) Review of financial factors

Mainly review the rationality of the borrower's basic accounting policies, the integrity, authenticity and rationality of the financial report and the audit conclusion. Special attention should be paid to judging the real production and operation status of customers through comparative analysis of financial data, trend analysis and comparative analysis of peers, and trying to verify the authenticity and rationality of financial information provided by customers by collecting necessary information.

(5) Review of non-financial factors

It mainly includes the borrower's enterprise nature, development and evolution, quality, organizational structure and corporate governance, business environment, industry market analysis, industry status analysis, product pricing analysis, production technology analysis, customer core competitiveness analysis, etc.

(6) Guarantee review

Review the legality, adequacy and effectiveness of the guarantee methods such as guarantee, mortgage and pledge.

(7) Fully reveal the credit risk.

① Analyze and reveal the financial risk, management risk, market risk and guarantee risk of the borrower.

② Put forward corresponding risk prevention measures.

(8) Put forward the credit plan and conclusion.

On the basis of comprehensive demonstration and risk-return balance, the evaluation conclusion is put forward.