1. The integrity, authenticity and validity of data verification is the main theme. The so-called integrity, there is no doubt that the submission of any application materials has its significance, which is the evidence to prove that the enterprise meets the application qualification, so every material is indispensable; And authenticity, that is, do background investigation around a series of materials such as enterprise identity, financial statements, bank flow, business license, and even the contents filled in the loan application form to verify whether the materials are suspected of fraud; For example, the validity will verify the business license, tax registration certificate, organization code certificate, loan card, etc. Go through the annual inspection procedures as required, and so on. 2. Customer reputation and personality survey 3. The assets and operating conditions of the enterprise analyze the growth curve of the enterprise operation by looking at the changes of financial indicators such as asset-liability ratio, current ratio, quick ratio, accounts receivable turnover rate, owner's equity, income, expenditure and profit; Understand the product quality, market share and market prospect of production and operation, so as to analyze whether the repayment source and repayment plan of the enterprise can be step by step. 4. The purpose of the loan is to examine whether the purpose of the enterprise loan is true and reasonable, to ensure that the funds flow to a safe place, and to worry that the enterprise will use the funds for other purposes under the guise of production and operation. In order to completely dispel doubts, some banks not only supervise the use of funds after lending, but also take preventive measures before lending, paying loan funds to customers' trading partners instead of corporate accounts. 5. Repayment ability Investigate the situation of corporate executives and affiliated companies to determine whether it affects repayment ability. 6. Verification of collateral and guarantor