1, review the basic elements. Review whether the information and procedures of the borrower and guarantor are complete. Whether the borrower's subject qualification is legal and compliant.

2. Customer credit status \ financial status \ production and operation status review. Review the credit status, financial status and production and operation status of customers.

3. Credit policy review. Whether the credit business conforms to the national industrial policy, monetary policy and bank credit policy; Whether the borrower's loan purpose is legal and compliant, and whether the amount, term, method and interest rate conform to the bank's credit policy; Whether the business scope and method of the borrower are consistent with the loan purpose, and whether the loan purpose is true; Whether the various approvals required for production and operation projects are complete, etc.

4. Credit risk review. Review and verify whether the customer's credit rating and credit limit are accurate; Through analysis, the financial, management and market risks of customers are revealed, and corresponding preventive measures are put forward.

5. Guarantee review, etc. Review whether the guarantee scheme complies with relevant laws and regulations; Whether it is feasible.