From the lender's point of view, loan risk refers to the possibility that the lender will face various losses in the process of operating the loan business. The loan risk is usually borne by the lender. Business license review, development qualification review, legality review of project materials, approval documents and construction land planning permit review, and self-raised construction funds review.

legal ground

Article 25 Application for loan: If the borrower needs a loan, he shall directly apply to the host bank or the agency of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; Two, the financial department or accounting (audit) firm approved the financial report of the previous year, as well as the financial report of the previous period to apply for a loan; Three, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, and the certificate of consent of the obligee who has the right to dispose of the collateral and pledge, and the relevant documents of the guarantor's consent to the guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender.