1. Bank review system A complete loan review process includes information review, loan purpose verification, repayment ability review, etc. Each step will be recorded, and the two most critical steps are: 1. Investigate the borrower's situation, focusing on the repayment ability, credit, assets, usage, etc. 2. When signing a loan contract, the borrower's identity needs to be verified, signed in person, fingerprinted, and photographed with a camera.
2. Why do I get a loan? There may be loopholes in these aspects: 1. The staff is careless. It may be a new employee, or it may be that the borrower's application was not taken seriously during the work due to various reasons such as poor condition on the day, too much business, etc. Although it was a work error to detect false information in a timely manner and fail to verify whether the borrower was the borrower, the bank still bears responsibility. 2. There is a problem with the loan process. The imposter took advantage of the loophole and submitted forged false information, and the staff believed the loan applicant's deception for various reasons. This is a problem in the bank's process and it needs to be held responsible. 3. The bank staff clearly knew that the loan applicants provided false information and obtained loans under false names, and were suspected of collusion. In short, there are many situations in which loans are obtained, such as personal information leakage, bank review is not strict, internal and external collusion, etc. Borrowers must file a complaint promptly when they find problems.