To apply for a loan, a user must meet the loan application conditions and pass the loan review. When registering or binding a bank card, you will need to use your mobile phone number and verification code. Even if others only need these two, they may not be able to successfully borrow money. After all, once you find that your ID card, bank card, and mobile phone number are not the lender's I basically cannot pass the review.

1. Review risks

The occurrence of loan risks often begins during the loan review stage. Based on the disputes that occur in judicial practice, it can be seen that the loan risks arise during the loan review stage. Risks mainly occur in the following links.

(1) Omissions in the review content may cause credit risks to bank loan reviewers. Loan review is a meticulous work that requires investigators to conduct systematic inspection and investigation on the qualifications, qualifications, credit, and property status of the loan subject.

(2) In practice, some commercial banks do not conduct due diligence, and the relevant loan review personnel often only focus on the identification of documents and lack due diligence. In this way, it is difficult to identify fraud in loans. It is easy to create credit risks.

(3) Many erroneous judgments are caused by banks not seeking expert opinions on the relevant content or having professionals make professional judgments. During the loan review process, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in legal, financial and other aspects. In practice, most loan review processes are not very rigorous and in place.

2. Legal content of pre-loan investigation

(1) Examine the legal status of the borrower regarding its legal establishment and continued effective existence. If it is an enterprise, it should be examined whether the borrower is established in accordance with the law, whether it has the qualifications and qualifications to engage in relevant business, check the business license and qualification certificates, and pay attention to whether the relevant licenses have passed annual inspections or relevant inspections.

(2) Regarding the borrower’s credit standing, examine whether the borrower’s registered capital is suitable for the loan; examine whether there is any obvious evasion of registered capital; past lending and repayment status; and the borrower’s products Whether there are any illegal situations such as quality, environmental protection, tax payment, etc. that may affect the repayment.

(3) Regarding the borrower’s borrowing conditions, whether the borrower has opened a basic account and a general deposit account in accordance with relevant laws and regulations; whether the borrower’s (if it is a company) foreign investment exceeds 50% of its net assets. ;Whether the debt ratio of the borrower meets the requirements of the lender;

(4) Regarding guarantees. For guarantee guarantees, the guarantor's qualifications, creditworthiness, and ability to perform the contract shall be investigated.