Hello, pre-loan investigation refers to the investigation of the basic situation of the loan applicant before the loan is issued, and the bank makes a preliminary judgment on whether it meets the loan conditions and the amount that can be issued. The focus of the investigation mainly includes the applicant's credit status, business situation, compliance and legality of loan application, loan guarantee, etc. At present, there are many platforms on the Internet to borrow money. I suggest you pay attention to two factors when choosing. First, choose a trustworthy brand; Second, we should pay attention to the clear and transparent service items of loan products, such as loan amount, loan interest rate, repayment time and repayment method. Only by choosing reliable loan products can you meet your urgent need for money and ensure that your personal interests are not infringed.

It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). The daily interest rate of money consumption loan is as low as 0.02%, which has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.

What are the links in the pre-loan investigation of enterprise loans?

1. Data validation

Integrity, authenticity and validity are the main melody melody melody of data verification. 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. Enterprise assets and operating conditions

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, the growth curve of enterprises is analyzed. 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

Investigate whether the use of corporate loans is true and reasonable, ensure the safe flow of funds, and worry that enterprises will use 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. Solvency

Investigate the situation of corporate executives and affiliated companies to determine whether it affects repayment ability.

6. Verification of collateral and guarantor

In the pre-lending investigation of small and medium-sized enterprises, what are the main aspects for bank account managers to investigate customer risks?

Banks in the pre-lending survey of small and medium-sized enterprises, mainly from the following aspects to check customer risk:

1. Confirm the authenticity and legality of the corporate entity of the borrowing enterprise: firstly, check whether the original business license provided by the enterprise is consistent with the borrower's name; Then go to the administrative department for industry and commerce to inquire whether the business license of the enterprise has passed the annual inspection and whether the legal representative has changed; Whether the economic nature meets; Whether the use of funds is within the business scope of the enterprise.

2. Enterprise credit status: go deep into the accounts payable and subsidiary ledger of the enterprise to understand the amount owed by the enterprise to others, credit reasons, time, etc. And evaluate the credit status of the enterprise.

3. Production and operation: First, refer to the various accounting books of the enterprise, and calculate the corresponding operating indicators through various data recorded therein, so as to analyze and understand the operating conditions of the enterprise. Go deep into workshops, workshops and warehouses, and inspect the production environment and production process of enterprises on the spot.

4. Tax payment: you can inquire about the tax payment of the loan enterprise in the tax department to reflect the actual production benefits of the enterprise; Through the comparative analysis of the payment of utilities in recent months, we can understand the actual production and operation. About the enterprise.

5. Guarantee: First, conduct on-site investigation on the authenticity, legality and compliance of the guarantor or thing. Second, the relevant documents and materials provided by the guarantor should be verified with the relevant departments to ensure the authenticity and validity of the guaranteed property. Third, it is necessary to conduct a strict market evaluation of the secured property to ensure that there are sufficient sources of secondary repayment.

Extended data:

Components of pre-loan investigation report:

1. Usually, the title should indicate the applicant's name, loan project and language. The title of a record is usually "About?" For example, at the beginning of the "investigation on the factory's application for brewing Hans beer"

2. The text mainly states the contents of the investigation and is the key part of the report.

3. Finally, there are two main contents: one is the title of the researcher, and the other is the date of production.