(1) Inquire about the borrower's ID card information, address information, office information, contact information of himself and other contacts, and whether there is any negative information on the Internet through Baidu;

(2) Inquire whether the customer's unit or business enterprise is abnormal through the national enterprise credit information publicity system,

(3) Inquire whether customers and their enterprises have not completed the execution of illegal cases and whether they are untrustworthy actors through human law network and dishonesty network;

④ Inquire about the customer's real estate value through the third-party evaluation website. Generally, we use SouFun, Anjuke and other large real estate trading websites to inquire about the current unit price of commercial housing in the customer's community, and then multiply it by the construction area of commercial housing to get the real estate valuation.

Second, data analysis.

① Statistics on the borrower's liabilities, overdue, external guarantee, change frequency of address and work information, historical repayment records and credit inquiry times mainly through personal credit report;

(2) Calculate the customer's bank account entry and hidden liabilities in the past six months;

By analyzing the credit standing, production and operation income, liabilities and cash flow of the loan applicant, we can judge whether it has a stable repayment source and strong repayment ability.

Third, telephone verification.

Telephone audit is the most important part of credit loans, mainly by verifying the third party's audit of borrowers.

. Usually, P2P companies will require borrowers to provide their own mobile phone contact information, home phone number, office phone number,/kloc-one contact information for immediate family members over 8 years old, one contact information for colleagues and one contact information for friends. By calling the contact numbers of these contacts, we can check whether the loan application of the loan applicant is used for normal commercial purposes or for other illegal purposes.

A. Company information

(a) the establishment time, registered capital, legal person, main business projects and profits of the unit;

② Company landline number, number of employees and detailed address of the company;

(3) Payment method (punching in or changing money), payment date, and the bank where the salary is paid;

(4) Provident fund and social security payment;

⑤ The position, work content, tenure and salary level of the borrower.

B. Family situation

(1) Whether or not to get married, mainly the marriage certificate, marriage date and spouse's name;

2 Whether there are children and their ages;

(3) Parents' support for the elderly;

(4) The loan purpose should be consistent between husband and wife, friends and colleagues.

⑤ You must know your lover's work (unit and salary).

C, the content of the survey to friends

What is the relationship between a friend and a borrower? Do you know what the borrower's job is, whether he is married or not, whether he has children or not, and what bad hobbies he has (playing cards, drinking, extravagance, not being in politics and being idle)?

Fourth, field due diligence.

Mainly to verify the borrower's business authenticity, site scale, on-site office situation, employees' work situation, inventory, production equipment, recent purchase and sale documents, and make on-site office calls. So as to understand the borrower's operating conditions, income or profits, and form a judgment on the borrower.

Fifth, comprehensive evaluation.

Under normal circumstances, the risk control personnel will judge the overall situation of the borrower according to the borrower's personal information, assets, historical credit records, income and repayment ability in the past six months, electricity audit, on-site due diligence, etc., so as to make suggestions on whether to approve the loan and how much to approve the loan.

Sixth, examination and approval

That is, according to the feedback results of previous links, the credit line of the borrower is finally determined. The amount of general housing loans and car loans is 50% to 70% of the valuation of real estate and car production. The food guide should remind everyone that all credit decisions are based on the income, overdue and bad debts of P2P platform, which is a dynamic adjustment process. The rejection of the loan does not mean that the qualification must be bad.