1. loan purpose and amount: ask the borrower about the required fund purpose and loan amount, so as to better understand the risks.

2. Borrower's identity information: ask the borrower's ID number, work unit, residence address and other information to verify its authenticity and reliability.

3. Repayment plan and method: Ask the borrower about repayment ability and repayment plan, including repayment method and repayment period.

4. Physical health: Some banks will specifically ask the borrower's physical health to ensure that the borrower's repayment ability will not be affected by illness and other problems.

5. Other factors: Some online lending platforms will ask other factors, such as too many applications and bad credit records, to assess the risk level. At the same time, it is suggested to remind borrowers that they have applied too many times, and they can check their big data through "pine cone inspection".