Legal analysis: it needs to be analyzed in combination with specific circumstances. When handling a mortgage, the bank will review the borrower's loan application, purchase contract, agreement and related materials. Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. P2P loan business is supervised by China Banking Regulatory Commission.

Legal basis: Article 12 of the Interim Measures for the Administration of Personal Loans: Lenders shall require borrowers to apply for personal loans in written form, and require borrowers to provide relevant information that can prove that they meet the loan conditions.

Article 13 of the Interim Measures for the Administration of Personal Loans: After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.

"Interim Measures for the Administration of Personal Loans" Article 14 The loan investigation includes but is not limited to the following contents:

(1) Basic information of the borrower;

(2) The income of the borrower;

(3) the purpose of the loan;

(4) The source, ability and method of repayment of the borrower;

(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.