The loan should be investigated. A loan survey generally includes the borrower's identity information, credit history, debt ratio, loan purpose and repayment source. The loan investigation should be based on on-the-spot investigation, supplemented by indirect investigation, and adopt ways and methods such as on-the-spot verification, telephone inquiry and information consultation. 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.

legal ground

Article 14 of the Interim Measures for the Administration of Personal Loans

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.