The main criterion for distinguishing bad loans from good loans is: whether there are expected losses

To achieve good loans, it is best to do the following:

First of all , first conduct a pre-loan understanding and investigation of the customer: understand his credit situation, whether the credit situation is good, and whether he has any bad records in the past; investigate his family situation, including assets, liabilities, population, etc.

Secondly, when lending, you should ask the customer for the original and copy of their valid certificate to ensure the authenticity and legality of the loan, understand its purpose, and whether it has the ability to repay the interest on time during the loan period. , whether the principal can be repaid upon maturity.

Finally, post-loan inspection, after the loan is formed, you should promptly understand the customer's use of funds and whether the purpose is true and legal, so as to minimize the loan risk points.