Kuaiyidai introduces credit risk management methods to you:

1. Strictly implement separate lending control

Banks must standardize the approval operation process and clarify loan approval Authority, carry out body-to-body separation and authorized approval to ensure that loan approval personnel independently approve loans in accordance with authorization.

4. Strictly implement post-loan management

After the personal loan is paid, the bank must adopt effective methods to track and monitor the use of loan funds, changes in the borrower's credit and guarantee conditions, etc. Analysis to ensure the safety of loan assets.

3. Strictly implement payment management

If the lender is entrusted to pay, the bank should require the borrower to submit a payment application when using the loan, and authorize the lender to pay the loan in the manner agreed in the contract funds.

4. Strictly review the loan application

After the borrower applies for a loan, the bank must strictly review the application content and supporting materials, perform due diligence responsibilities, verify each case, and correctly judge the borrower repayment ability, credit status, guarantee situation, pledge ratio, risk level, etc.