Specifically, it includes the customer's household registration, age, education level, marital status, personality status, social evaluation, bad credit record, criminal record, etc.

Customer age

Usually, the age of customers is inversely proportional to their energy and health. At the same time, the customer's age is directly proportional to the customer's social experience and work experience, and the customer's rich experience contributes to the customer's business ability. Manual workers should pay attention to their physical condition.

Customer's marital status

For married customers, by observing their attitude towards their families, we can see whether they have a strong sense of responsibility. Usually, because of family responsibility, family reputation and the influence on children, married customers will be more careful to run their own businesses and are more willing to repay. Unmarried or divorced customers, but also to investigate the reasons for unmarried or divorced, life and economic independence. Generally, unmarried or divorced customers should enter carefully.

Customer education level

Generally speaking, customers with a high degree of education will pay more attention to their credibility and have a better willingness to repay.

Bad habits and credit of customers

Customer credit record is an important reference for investigating customer credit status. For customers with bad credit union records, it is necessary to know the real reasons for their default, unless there are special reasons, it should be regarded as important evidence of customers' poor repayment intention;

For customers who speculate in stocks, we should pay attention to whether the speculative behavior of customers has become the "main purpose" of customers' operations, whether it has affected customers' operations, and whether customers are likely to misappropriate loans.

Pay attention to observe and understand whether customers have bad habits such as drinking and gambling, whether their behavior seriously damages their health, and whether it adversely affects the stability of their families and careers.

Customer's personality characteristics

Personality often affects the control over customers. The relationship between grumpy or arrogant customers is difficult to establish, and their personality factors will also hinder the investigation, analysis and post-loan maintenance process of loan officers, and even make it very difficult for loan officers to deal with loan defaults. Advise customers with bad personality to be cautious.

Does the customer have other income and expenses?