The main objects of pre-loan investigation are borrowers, guarantors, mortgagors (pledgees) and mortgaged objects.
The pre-lending investigation of credit business adheres to the principles of double-person investigation, on-the-spot investigation, true reflection and grasping the key points.
The principle of double investigation.
The principle of two-person investigation, also known as the AB angle principle, means that each credit business must be investigated by at least two credit personnel from the organizer (A angle) and the co-organizer (B angle), and a clear opinion must be signed in the investigation report.
Generally speaking, the department manager will designate a specific person as the AB corner. According to the specific regulations of the company, a higher-level person can also be responsible for the AB angle for the pre-loan investigation of loan applicants who are more complicated or have a large loan application amount.
On-site inspection principle.
On-the-spot investigation means that investigators conduct on-the-spot investigation through on-the-spot verification, interviews, account verification, etc. to obtain relevant information of customers. In the process of pre-insurance investigation, investigators must go deep into the customer's production and business premises to conduct on-site investigation and verification, and check the customer's financial and business conditions.
The authenticity and validity of the information provided by customers should be verified. Through on-the-spot investigation, go deep into the production and business operation places such as customers, guarantors and important related customers to understand and verify relevant information, and on-the-spot check the operation and management situation, asset distribution, and current situation of mortgaged (pledged) goods of the applicants and guarantors.
Principle of true reflection.
The principle of true reflection means that the organizers and co-organizers reflect what they know before the loan investigation and do not avoid the risk points. If the investigator puts forward a clear opinion that the loan will not be granted after in-depth investigation, no one may ask the investigator to change his opinion.
Principle of importance.
In addition, the characteristics of microfinance business are small, scattered and fast, which requires investigators to follow the principle of importance in the pre-loan investigation process. For general problems, we can take the way of individual sampling and inference, and for abnormal and key problems, we need to comprehensively verify and obtain sufficient basis.