Import: Import refers to preparing materials and submitting them to the loan company or banking system. By optimizing the construction and application of risk management system, such as income management, scorecard, fraud detection, collection management and bill collection, the technical support ability is enhanced and the scientific nature of credit card risk management is improved. Returning documents means that you don't want to apply for a loan after submitting the information to the bank or loan company. The process of obtaining information is called returning documents. The "incoming materials list" is generally divided into three categories: credit card, car loan and mortgage. Different business types need different materials. For example, credit cards: ID cards and work certificates are the most basic materials for handling credit cards. For example, mortgage: then the bank will ask for materials that can prove the ownership of the house, such as the purchase contract. In other words, the list of incoming materials required by different businesses is different, and its core is the certification materials and personal qualifications that can prove the identity, affairs and required amount of the applicant.