Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. Regarding the borrower's loan conditions, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations.
Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; If the legal representative holds a foreign passport or permanent residency in a foreign country, and his enterprise or company has branches abroad, he should strictly control the loans of enterprises whose main family members have settled abroad or set up companies abroad, and pay close attention to the financial transactions of his legal representative with enterprises abroad. Especially for the transfer of funds abroad or the use of funds is unknown, it is necessary to strictly review, supervise and stop them in time. The loan relationship only occurs between the parties. For loans that are greeted or written by leaders, relatives, friends, classmates and comrades-in-arms, the loan conditions shall not be relaxed. Do not meet the loan conditions, no loans. When issuing secured loans, we should carefully investigate the relationship between borrowers and guarantors. The borrower and the guarantor belong to the same group company, and the loan should be strictly examined. The guarantee provided by the branch of a non-independent legal person is invalid.