A has a local permanent residence or a local valid residence status.

Party B has a stable and lawful income source and the ability to repay the loan principal and interest on schedule.

C is law-abiding, with good moral character, good personal credit status and no bad credit record.

D being able to provide the guarantee recognized by the lending institution or having the credit qualification recognized by the bank.

Second, review materials

After receiving the application materials from customers, the handling personnel of the lending institution shall check whether the materials are complete according to the contents listed in the list, and conduct a preliminary examination on the completeness, standardization and authenticity of the materials. Specific review requirements are as follows

A. Whether the submitted materials are complete and whether the elements meet our requirements.

B. Whether the identity documents of the customer, guarantor, pledger and mortgagor are true and valid.

C ensure that the materials are in compliance with the regulations.

All materials should be verified by the handling personnel, and all copies should be consistent with the original.

If the information submitted by the customer is incomplete or does not conform to the specifications, the customer shall be required to supplement the information or provide it again in time.

Three, after the preliminary examination meets the requirements, the handling personnel shall make a pre-loan investigation on the loan application form and the list of application materials.

1, pre-lending investigation

Pre-loan survey is a comprehensive evaluation of customers' overall credit status and loan risk status, and finally forms a comprehensive evaluation opinion on loans. The pre-loan investigation should follow the principles of objectivity, science and fairness, and adopt the principle of combining quantitative and qualitative analysis.

The main means of pre-lending investigation include borrower interview, telephone interview, field investigation and information inquiry, and at least one of them must be used in pre-lending investigation.

content include

Personal basic situation survey

Credit investigation of the borrower

Investigate the borrower's assets and liabilities

Investigation on loan purpose and repayment source

E. Investigation of guarantee methods

2. Write a survey report

After the pre-loan investigation is completed, the investigators should sort out and analyze the investigation results and fill in the pre-loan questionnaire, which includes

The way of pre-loan investigation

B borrower's loan application, borrower's repayment ability, repayment willingness, guarantee and other information.

Main risk points and control measures of loans

D clearly responsible for the authenticity and integrity of the investigation content.

Four, after the completion of the above report, the investigators fill in the "personal credit business declaration and approval form", put forward the loan amount, loan term, loan interest rate guarantee method, repayment method, loan conditions, payment method and other suggestions, together with the pre-loan questionnaire application materials, sent to the loan auditor for loan review.

1 review

Auditors should conduct a comprehensive and detailed review of the materials provided by the investigators, and review the compliance and rationality of the investigation opinions and loan suggestions put forward by the investigators.

2. Audit content

Customer qualification, loan conditions, loan purposes, loan amount, loan term, etc. Comply with relevant business management measures.

B. Whether the application materials are complete and whether the content elements filled in the compliance application approval form are complete.

C. Whether the pre-lending questionnaire and individual customer credit evaluation report issued by the pre-lending investigator are objective and detailed.

Verb (abbreviation of verb) The auditor carefully examines the authenticity, completeness and validity of the application materials. If there are omissions and defects in the application materials, investigators should be required to supplement the materials in time and improve the investigation contents until they meet the requirements. Auditors who do not meet the requirements shall sign the audit opinions and return the audit materials.

After the audit is completed, the auditor shall sign the audit opinion on the Personal Credit Business Application Approval Form, affix the official seal of the Credit Operation Department, and send it to the department/personnel with the right to approve loans together with all application materials.

1, approved

The main contents of the approver

A. Whether the main qualifications and conditions of the borrower are met.

B. Whether the purpose of the loan conforms to the provisions of the Measures for the Administration of Credit Varieties.

Amount, term, interest rate, etc. Whether it complies with the relevant loan measures.

D. Whether the main risk points of the loan fully reveal whether the risk prevention measures are legal and effective.

E. Whether the borrower's credit evaluation and loan scheme are accurate and reasonable.

2. Approval conclusion

There are two kinds: agree and disagree.

A. If the approval conclusion of the meeting is yes, it should meet the approval of the approval leader, and the loan approvers who participated in this approval exceeded/all agreed, and the conclusion of the approval was that the sum of the votes who disagreed did not exceed/all the loan approvers or approval leaders who participated in this approval disagreed.

B. If double-person examination and approval is adopted, the conclusion of examination and approval will be considered as consent only when two loan examiners sign the examination and approval opinions at the same time.