1, customer's credit status. Banks should evaluate customers' credit records, credit records, income, debt burden and repayment ability to determine whether customers have the ability to repay on time.
2. The purpose of the loan. Banks should review the use of customers' loans to ensure that the funds are used for legitimate economic activities and that customers have sufficient ability and planned use to repay.
3. Risk control. Banks should assess customers' loan risks and formulate risk control measures to ensure customers' repayment on time and minimize losses.
4. Compliance. Banks should abide by relevant laws and regulations and examine and approve loans that meet laws and regulations.
5. Fairness. Banks should treat all customers fairly, do not discriminate against anyone and do not violate the anti-discrimination law.
6. Keep it secret. Banks should protect customers' personal privacy and financial information and not disclose customers' information.