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Will the loan be investigated at home?
First, will the loan be investigated by the family?

Banks should investigate people and things directly related to loans. And the verification of some basic information. For example, if your sponsor is a family member, you must investigate. If the house is used as collateral, it is necessary to investigate the house. Information verification is mainly a relatively simple verification, similar to credit card processing, to prove the authenticity of information.

Second, the contents of the pre-loan investigation of personal credit loans include ().

The pre-lending investigation of A, B, C, D and E includes: ① The lending bank should verify whether the information provided by the borrower is complete and true, and inform the borrower of the obligations and consequences of default; Go to the borrower's unit or residence for face-to-face conversation. (2) Investigators should investigate whether the loan applicant has a local account and whether the applicant has legal managers, supervisors, managers, credit business personnel and their close relatives who have a direct impact on the personal credit business decision. Credit business personnel refer to those who have the right to decide or participate in the investigation, examination, approval and management of personal credit information basic database of banks, and whether they have bad credit records. By querying the personal credit rating system, personal financial business data and personal consumption credit management data of the loan bank, the borrower's assets, liabilities and credit status in the loan bank are verified, and the borrower's contribution to the loan bank is comprehensively investigated. ④ Compliance with national laws and regulations ⑤ Check the acceptance certificate and investigate whether the income source of the borrower and his family members is stable and whether they have the ability to repay the loan principal and interest on time.

Third, what is the urgency of the household survey made by bank loans?

Family assets are 2 1 13 family properties, such as houses and cars; Personal basic information includes personal name, gender, age 526 1, marital status 4 102, work and income status, physical condition and personal repayment ability. In fact, these things should be written by the banker 1653 based on the information provided after your investigation, not by yourself. belong to

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4. What are the contents of the bank's loan business survey?

"It mainly includes querying the personal credit information system of the People's Bank of China, querying whether customers have bad credit records, querying the identity system of the Ministry of Public Security, and verifying whether the borrower's identity information is true. Field investigation to verify the authenticity of the loan purpose and whether the collateral is sufficient and effective. Telephone inquiry to understand the borrower's work unit, employment situation, tax bill certificate, social security and other materials, to verify the borrower's income and asset strength. Due diligence is an important part of credit business, and it is necessary to judge the repayment ability and willingness of customers through the collection, collation, comparison and analysis of customer information. And put forward feasible risk control opinions to reduce the risk of loans overdue from the source. Basic preparations include: collecting customer information, listing the key points of investigation, filling in the survey outline and making an appointment with customers. The basic principle of customer due diligence: the principle of double investigation, also known as the AB angle principle, means that each credit granting business must be conducted by at least two credit granting personnel, namely, the main sponsor (Angle A) and the co-sponsor (Angle B), and clear opinions should be signed in the investigation report. The principle of on-the-spot investigation means that the credit manager should go deep into the site and conduct on-the-spot investigation on customers, enterprises, families, collateral and guarantors. Ensure the authenticity and validity of the information provided by customers. According to the principle of true reflection, the two credit managers, the sponsor and the co-organizer, should truthfully reflect what they have learned in the due diligence and do not avoid any risk point. The principle of cross-validation means that in due diligence, the credit manager confirms the same information through different channels to see whether the information provided orally by the customer is consistent with the written information and the actual situation, and to judge whether the information provided by the customer is true, accurate and complete. In the process of due diligence, we should try our best to collect all kinds of information and documents of customers, such as financial statements, purchase documents, sales documents, logistics documents, customer purchase orders, statements, water and electricity bills, etc. And verify them one by one, and if necessary, cross-validation method can be adopted. Compare these written materials with each other and with the information provided orally by customers to judge their authenticity and reliability. In addition to establishing business relations for the first time, banks and individual customers should conduct due diligence. Continuous due diligence after establishing business relations is not only an important part of counter-measures, but also the focus of on-site inspections and the common reasons for penalties imposed by the People's Bank of China. "