The requirements for strict examination of collateral are:

(1) In order to ensure the authenticity of the collateral, the credit personnel are required to carefully review the relevant certificates of rights, and if there is mortgaged real estate, on-site verification should be conducted;

(2) To ensure the legality of collateral, which requires credit officers to examine collateral in strict accordance with relevant laws to prevent mortgaged property from being used as collateral by law;

(3) Carefully check the ownership of the collateral to ensure the effectiveness of the collateral.