According to Article 13 of the Interim Measures for the Administration of Personal Loans, after accepting the borrower's loan application, the lender shall perform the obligation of diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, 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 loan purpose;
The repayment source, repayment ability and repayment method of the borrower;
(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral and liquidity.
Extended data:
Interim Measures for the Administration of Personal Loans Article 23 A lender shall sign a written loan contract with the borrower, and if a guarantee is needed, a guarantee contract shall be signed at the same time. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.
Article 24 A loan contract shall conform to the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the commitment of good faith, the purpose of loan funds, the object (scope) of payment, the amount of payment, the terms and methods of payment of all parties. The loan contract shall set up relevant clauses to clarify the liabilities of the borrower for breach of contract when he fails to perform the contract or slowly performs the contract.
Baidu Encyclopedia-Interim Measures for the Administration of Personal Loans