Loan investigators should investigate the borrower's credit rating and the legitimacy, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. The loan investigation and evaluation personnel are responsible for the loan investigation and evaluation, and bear the responsibility of investigation errors and inaccurate evaluation; The loan examiner is responsible for the review of the loan risk, and bears the responsibility for the review error; Lenders are responsible for the inspection and collection of loans, and bear the responsibility for inspection errors and poor collection.