1. Personal information: First of all, there will be an interview before the loan, whether it is face-to-face signing or telephone communication. Auditors will know the borrower's integrity, marital status, bad habits, current working conditions, etc. Through various questions, I mainly get to know the borrower step by step.

2. Asset mortgage: The assets under the borrower's name need to be further examined to prevent the assets from being mortgaged, so the equity mortgage records, movable property mortgage records and real estate mortgage records will be investigated.

3. Credit record: The credit report is a good proof document. The bank will judge the borrower's repayment willingness and current liabilities by examining the borrower's credit records, inquiry times, guarantee records and public information. Some lending institutions even use big data to query borrowers' private lending information, and finally judge the rationality of borrowers' application for loans.

4. Bank flow: The bank flow printed by the borrower is also the data of the bank's key investigation. You can see whether the borrower has a stable income every month, whether there are abnormal expenditures, and the final settlement of deposit interest.

5. Changes in funds: Some abnormal changes in funds may be due to the borrower's new liabilities, such as the borrower's recent purchase of a new house, car or other machinery and equipment. If there is no new debt, it means that the borrower has the possibility of private lending.