1. Whether it complies with relevant provisions of financial laws and regulations and bank credit policy system.

The second is to master the basic situation of customers and analyze the development prospects.

1. Analyze the economic nature, industry, main business, registered capital, economic scale, affiliation, organizational form, property right composition, geographical location and historical changes of the borrower. For listed companies, it is also necessary to analyze their listing time, the amount of funds raised, the recent shareholding structure and the shareholding ratio of major shareholders.

2. Analyze the borrower's leading product quality, technical content, production and sales, life cycle, market share, export earning capacity, actual sales, potential sales and inventory changes.

3. Analyze the borrower's leading product resource reserve or upstream raw material supply and downstream product market demand, and analyze the degree of dependence on suppliers.

4. Analyze the main competitors, industry characteristics, industry supervision and industry positioning of the borrower's leading products, and analyze the key factors of industry success.

5. Analyze the borrower's technical status, equipment status, foreign investment and investment income.

6. Analyze the comprehensive quality and management ability of the core leadership of the borrower, as well as the personality, integrity, moral standards, historical business records and experience of the legal representative and independence from the owner. Analyze the relevant personnel and decision-making process that affect decision-making.

7. Analyze other information that the borrower needs to explain, such as planned listing, restructuring, debt-to-equity swap, current important litigation and other important information, and analyze the client's corporate governance, performance record, industry characteristics and macroeconomic situation.

8. Analyze the impact of changes in the macro-economic environment related to customer credit business on customer development prospects, such as social purchasing power, inflation, exchange rate, money supply, taxation, government fiscal expenditure, price control, wage adjustment, trade balance, unemployment rate, GDP growth, foreign exchange sources, foreign exchange control regulations, interest rates and other government controls.

Three. Grasp the total amount, structure and quality of customers' bank financing, and analyze customers' financing ability and credit status.

1. Grasp the cooperative relationship between the borrower and the bank. Analyze the borrower's credit rating and its changes in recent three years, the opening of basic deposit account, the proportion of settlement through our bank and the proportion of other intermediary businesses.

2. Grasp the borrower's total bank financing and the financing ratio of our bank. Through the query results of the enterprise credit registration consulting system of the People's Bank of China, the financing and credit status of borrowers in other financial institutions are analyzed and judged. Analyze whether the balance of customers' bank financing matches the annual sales revenue, and investigate whether the proportion of bank financing of our bank to all customers' bank financing meets the requirements of industry credit policy.

3. Understand the bank and the credit granted by the bank. Review the highest comprehensive credit line approved by banks and other financial institutions for this customer and the currently available credit line.

4. Find out whether there are bad credit records, convert debts into shares, enjoy the national write-off loans, and suspend account opening.

5. Understand whether there is evasion of bank debts.

6. Understand external guarantees and other contingent liabilities.

Four, a comprehensive analysis of the customer's financial situation, verify its comprehensive solvency.

1, review the compliance and authenticity of financial statements.

2. Analysis of assets, liabilities and changes in the last three years and the latest period.

3, nearly three years and the latest period of operating income and profit and loss analysis.

4. Analysis of cash inflow and outflow in recent three years.

5. Clarify the customer relationship and guard against the risks of related party transactions.

1. Analyze the relationship between customers.

2. Analyze the financing mode, total amount and structure of the Bank and the proportion of shareholders and affiliated enterprises of the Bank.

Six, the specific purpose and effect of bank financing.

1, whether it is really used in production and operation to prevent misappropriation for project construction and foreign investment;

2, whether it is really used in the production and operation of the enterprise, to prevent lending to other enterprises (except the group company to implement unified loan and unified return) or financing on behalf of other enterprises;

Seven, the implementation of loan guarantee measures.

Consider whether it meets the scope of mortgaged assets stipulated by laws and regulations, and consider the liquidity.