1. Telephone confirmation
Small loan companies usually ask you to leave your contact information, and then check the information you fill in one by one, such as some online consumption, work situation, or what the loan is used for. Therefore, it should be noted that after filling in the information, you should make full preparations for these and think about what you want to say in advance.
2. Internet survey
(1) Microfinance companies generally have their own investigation system, which will conduct investigations based on the information you fill in, such as your name, telephone number and address information. See if there are any bad records under the online investigation.
(2) Or through the enterprise publicity system, investigate whether the unit you fill in is operating normally, and inquire whether the enterprise you fill in has any illegal cases, whether it is credible and so on.
3. Comprehensive analysis
(1) Analyze the credit information you filled in to see if there is any overdue repayment, or your historical loan situation, whether it is blacklisted, etc.
(2) Big Data analyzes your recent capital flow, online consumption and household income to ensure that you are credible and have repayment ability.
Step 4 make a comprehensive summary
The risk control personnel of microfinance institutions will make a comprehensive summary analysis based on the information you fill in, the income status of assets and the results of the above survey to confirm whether the loan is reliable for you, and decide whether to pass the investigation and audit, and whether the audit amount is reasonable. 、
Step 5 approve the loan
Finally, we are most looking forward to the loan. If it is approved, it will generally lend money in the shortest time, because the service of microfinance institutions is good and considerate to borrowers, and generally it will not delay.
The above is about the audit of small loan companies, as well as the regulations and processes, I hope to help you.