The pre-lending investigation includes: ① the lending bank should verify whether the information provided by the borrower is complete, true, legal and effective; Inform the borrower of the obligations and consequences of breach of contract; Go to the borrower's unit or residence to investigate and verify the situation and have a face-to-face conversation with the borrower. Investigators should investigate whether the loan applicant has a local account, a local fixed residence and a fixed contact information; It is necessary to investigate whether the applicant has a proper occupation, whether he is a director, supervisor, manager, credit business personnel and their close relatives of the loan bank. (3) Investigate and verify whether the loan applicant has a bad credit record by querying the basic database of personal credit information of China People's Bank. (4) Investigate whether the loan purpose is true. (5) Check the acceptance certificate.