The borrower's credit status and bank transactions mainly include: ① the borrower's account opening in the bank; (2) The balance of long-term and short-term loans in our bank, financing from various channels, repayment and interest payment of previous loans (non-performing loan ratio and interest rate), credit rating, credit line and credit line occupation; ③ Contingent liabilities of the borrower; (4) Mortgage (pledge) guarantee provided by the borrower; ⑤ The relationship between the borrower and other banks, account opening and borrowing in other banks; ⑥ Loans, guarantees and credit records reflected by the enterprise credit information system of China People's Bank; ⑦ Average daily deposit balance, settlement business volume and comprehensive income of the Bank; (8) various income forecasts after new deposits, settlement and new bank loans.