"It mainly includes querying the personal credit information system of the People's Bank of China, querying whether customers have bad credit records, querying the identity system of the Ministry of Public Security, and verifying whether the borrower's identity information is true. Field investigation to verify the authenticity of the loan purpose and whether the collateral is sufficient and effective. Telephone inquiry to understand the borrower's work unit, employment situation, tax bill certificate, social security and other materials, to verify the borrower's income and asset strength. Due diligence is an important part of credit business, and it is necessary to judge the repayment ability and willingness of customers through the collection, collation, comparison and analysis of customer information. And put forward feasible risk control opinions to reduce the risk of loans overdue from the source. Basic preparations include: collecting customer information, listing the key points of investigation, filling in the survey outline and making an appointment with customers. The basic principle of customer due diligence: the principle of double investigation, also known as the AB angle principle, means that each credit granting business must be conducted by at least two credit granting personnel, namely, the main sponsor (Angle A) and the co-sponsor (Angle B), and clear opinions should be signed in the investigation report. The principle of on-the-spot investigation means that the credit manager should go deep into the site and conduct on-the-spot investigation on customers, enterprises, families, collateral and guarantors. Ensure the authenticity and validity of the information provided by customers. According to the principle of true reflection, the two credit managers, the sponsor and the co-organizer, should truthfully reflect what they have learned in the due diligence and do not avoid any risk point. The principle of cross-validation means that in due diligence, the credit manager confirms the same information through different channels to see whether the information provided orally by the customer is consistent with the written information and the actual situation, and to judge whether the information provided by the customer is true, accurate and complete. In the process of due diligence, we should try our best to collect all kinds of information and documents of customers, such as financial statements, purchase documents, sales documents, logistics documents, customer purchase orders, statements, water and electricity bills, etc. And verify them one by one, and if necessary, cross-validation method can be adopted. Compare these written materials with each other and with the information provided orally by customers to judge their authenticity and reliability. In addition to establishing business relations for the first time, banks and individual customers should conduct due diligence. Continuous due diligence after establishing business relations is not only an important part of counter-measures, but also the focus of on-site inspections and the common reasons for penalties imposed by the People's Bank of China. "

Second, I would like to ask you, what should the due diligence of textile printing and dyeing industry investigate before lending? ...

Looking forward to seeing useful answers!

Three. 702 The lender's due diligence does not include _ _.

、C

4. What kind of due diligence should banks conduct?

1. Bank due diligence is the investigation and understanding of credit customers.

2. Bank due diligence is a comprehensive investigation and understanding of customers and their businesses, including their business activities, profitability, sustainability of business development, credit status of legal representatives, etc. Authenticity of business, taxation, cases involved, bank transactions, etc.