The methods of pre-loan investigation include:

① field investigation;

(2) Off-site investigation: conducting search and investigation on government functional management departments (such as industrial and commercial bureau, tax authorities, public security departments, etc.), entrusting investigation, and obtaining valuable meetings (chambers of commerce) by contacting customers' affiliated enterprises, competitors or individuals. ) to understand the real situation of customers.

Second, what is the "three checks" on loans?

The loan "three checks" system refers to pre-loan investigation, in-loan review and post-loan inspection. Through the implementation of the "three checks" on loans, it is beneficial for lenders to fully understand and master the borrower's operating conditions and loan risks, discover potential risks in time, and take corresponding risk prevention and control measures to ensure the safety of bank credit funds. At the same time, the implementation of the loan "three checks" system is also an important basis for investigating or exempting relevant responsible personnel after loan risks appear.

3. What are the main methods of pre-loan investigation?

Loan investigation in loan marketing is to fully investigate and study a series of market influencing factors such as regional political and cultural conditions, industry development and changes, social and economic indicators, changes in residents' consumption levels and concepts, and economic operation laws within the scope of credit business, so as to grasp the laws of economic activities of customers or enterprises, discover the financing needs of various customers, and accurately grasp the timing and discretion of market entry. ○ 1 Contents of investigation report: title and preface. The preface should state the time, place, object, scope and purpose of the investigation, and explain the main address of the investigation and the investigation methods adopted. Words. Generally, it includes detailed investigation purpose, investigation and analysis methods, description and analysis of investigation results, suggestions, etc. The ending. Summarize the whole survey content to deepen understanding. Attachment. Including the distribution of samples, charts and appendices. ○2 Content of market survey: Market environment survey includes general environment and specific environment. Generally, it includes: economic environment survey: understanding the economic situation, economic policies, consumption structure and its changing trend, capital construction investment scale, business, services, foreign trade, social purchasing power and purchasing tendency, etc. Investigation of political and legal environment: that is, to investigate the political situation in a certain period, various laws, regulations and rules promulgated by the government on loan activities, and the principles and policies of relevant departments. Investigation of science and technology environment: investigate the present situation and general trend of science and technology development at home and abroad, especially the development, application and promotion of new technologies, new processes and new materials of customers. Physical geography environment survey: understand the geographical location, climatic conditions, topography, traffic and natural resources. Investigation of social and cultural environment. ? Market demand survey. Mainly to investigate the market supply and demand of loans in a certain period of time. Mainly includes: the market demand for loans. The potential demand of the market or the capacity of the largest loan in the market. The demand for loan products in different market segments, as well as the saturation point and potential capacity of each market segment. Present situation and changing trend of market demand structure. ? Customer survey. It is the core content of loan investigation, including: the specific characteristics of customers, their industries and nature, and the demand differences of different types of customers. Customer's products and sales. Customer's staff and quality. Customer's internal organizational structure. Customer's balance sheet. Customer's production and operation. Customer's operating efficiency and development trend. Customer's loan demand

4. What does the pre-loan investigation mainly include?

The pre-lending investigation is generally completed by the sponsoring loan officer and the assisting loan officer, and generally adopts the methods of consulting relevant information, field investigation, qualitative analysis and quantitative analysis. The main contents of the pre-loan survey include the following five points. First, understand the basic situation of the borrower. The credit manager should carefully analyze the information submitted by the borrower, such as ID card, income certificate, bank account, business license, real estate license, etc. And evaluate the borrower's loan subject qualification to see if its basic conditions meet the requirements. Second, to examine the borrower's credit status, the credit manager will check the borrower's credit status through the personal credit information system of the People's Bank of China to see if he has any bad credit records. The credit manager will know the borrower's credit status by interviewing his family members, colleagues, superiors and friends. Third, analyze the borrower's operating conditions. If the borrower's loan is for business, the credit manager should ask him to provide the company's financial statements and make a careful review. Carefully analyze the borrower's assets and liabilities in recent years; Capital structure; Profitability; Cash flow and other information, evaluate the borrower's operating conditions and predict the development prospects of its enterprises. Fourth, to understand the quality of the operators, the credit manager will know the knowledge, morality and management ability of the legal representative and main leaders of the borrowing enterprise by collecting information or making an appointment for an interview. Fifth, investigate the guarantee situation. If the borrower adopts secured loans, the credit manager also needs to know the ownership, value and realization difficulty of the collateral. In-depth investigation of the guarantor's qualification and guarantee ability. After the pre-loan investigation is completed, the credit manager will write the information in the investigation process into a survey report in detail, and finally submit the survey report to the bank's review department for review. After approval, the applicant can be paid as required.