Loan investigation is the first hurdle to expand customers and issue loans, and it is an important prerequisite to prevent risks and reduce bad debts. The authenticity and reliability of its investigation are of great significance to the safety of loans. This is an important basis for deciding whether to lend or not, whether to lend more, and the term and method of the loan. A considerable number of customers lack audit reports provided by independent third parties, and "information asymmetry" is widespread, so it is particularly important to investigate account managers before lending.

I. Basic information of the borrower

Generally speaking, the basic information of the borrower is mainly the identity information, marital status, residential address, employment status, education and so on. , mainly to see if it is true. If false information is found, the bank may reject the borrower's application. Therefore, the information proposed by Bian Xiao must be true and reliable.

Second, the credit situation and family situation

Credit records are generally queried on the credit information system, mainly to see how the borrower's credit status is, such as whether there are overdue records, overdue loan records, or whether the credit card is overdue. If there are too many overdue records, the bank will be classified as a bad credit, and the application for unsecured loans may be rejected, but it is understandable to be overdue once or twice, but the application amount will certainly not be high. Family members survey, the borrower's spouse identity information survey, etc.

Three. Income and liabilities

If the borrower currently has other loan projects, accounting for 50% of household expenditure, then the loan may be hopeless. Because the borrower should ensure that every customer who applies for a loan has sufficient repayment ability, if the debt is too high, it will be difficult for the borrower to repay, and loans overdue may not be able to repay. Therefore, banks will not take this risk.

Fourth, the purpose of the loan.

As long as the borrower uses the loan legally, there will be no problem. If it is a mortgage loan, the purpose is clear. If it is found to be used for other consumption, it will be possible to recover the loan.

Verb (abbreviation for verb) repayment source

If the repayment source is a formal channel, the loan will be easier to review, which is generally related to the borrower's professional identity investigation.