The investigation of the legal compliance of loans should include: ① determining the legal subject qualifications of borrowers and guarantors; (2) Determine the authenticity and validity of the legal representative, authorized client, official seal and signature of the borrower and guarantor, and determine whether the authorized client has the qualifications and conditions to sign legal documents according to the agency matters, authority and time limit specified in the power of attorney; (3) If the board of directors or shareholders (shareholders) will decide to approve loans and guarantees, the credit business personnel shall investigate and determine the authenticity, legality and effectiveness of the decision of the board of directors to approve loans and guarantees; (four) to confirm the legality and validity of the mortgaged property or rights listed in the List of Mortgaged Property; ⑤ Identify the legal compliance of loan use; ⑥ Identify the authenticity of the purchase and sale contract; ⑦ Investigate the borrower's borrowing purpose.