Borrower information
Mainly to evaluate whether the application form, ID card, credit report and income certificate provided by the borrower when applying for a loan are compliant and complete.
Specifically, it is mainly evaluated from the following aspects:
(a) the integrity and authenticity of the application form
(2) The ID card only recognizes the second generation.
(three) the timeliness and authenticity of the credit report
(4) The timeliness and authenticity of bank flow.
(5) timeliness of social security payment time.
(6) the authenticity of the work certificate
(7) Address to prove authenticity.
Borrower's repayment ability
This mainly refers to whether the borrower is involved in litigation. If litigation is involved, it is very likely that personal bank accounts will be frozen, which may affect the borrower's repayment ability.
It is worth noting that if the borrower is a legal person or shareholder of the company involved, the loan may be refused.
The borrower's unit
Whether other borrowers' units are true or not is an indispensable part for lenders to comprehensively evaluate borrowers.
Mainly from the following aspects to evaluate:
(1) Whether the borrower's business outlet information is consistent with the business license information.
(2) Is the borrower's unit revoked, cancelled or expired?
(3) Except for state-owned enterprises, whether the name of the borrower's unit in the industrial and commercial network information is consistent with the official seal of the work certificate. Community recommendation: Guangxing Garden
Phone number left by the borrower
Evaluate whether the main telephone is normal, and judge by the following items:
(1) Does any telephone number filled in by the applicant match the agency?
(2) Does the applicant's mobile phone match the credit loan, cash withdrawal and other information?
(3) Whether the contact telephone number of the borrower is consistent with the credit loan, cash withdrawal and other information.
(4) Are there any other abnormal matches? For example, people work in Beijing, but their mobile phone numbers and colleagues' mobile phone numbers belong to a remote mountainous area.
personal credit
Investigate whether the main personal credit is abnormal or bad.
(1) Is there any bad record such as overdue credit investigation?
(2) Is it a white credit account?
(3) The frequency of recent inquiries about credit records
(4) Are there any new credits?
(5) Whether the loan status of the borrower as the guarantor is normal.
Electronic nuclear information
Some lending institutions have an "electronic verification" link, which mainly checks whether the borrower answers the phone in time, whether he answers it himself, and checks the borrower's information with the contact person, and whether the landline of the resignation company is the mobile phone number.
In fact, the specific contents of the assessment of borrowers by each lending institution may be different, not limited to the above points, but basically all borrowers are rated according to these contents. If the score is too low, the borrower may be unable to apply for a loan because of "insufficient comprehensive score".
Related Q&A: Related Q&A: What is the comprehensive evaluation? Concept: Comprehensive evaluation Comprehensive evaluation enrollment is a new enrollment model after the college entrance examination reform is gradually promoted. The biggest feature is that
Candidates who take part in the comprehensive evaluation are selected according to a certain proportion of their college entrance examination scores, comprehensive evaluation test scores and academic level scores. Candidates who usually have poor grades in the college entrance examination can use the opportunity of comprehensive evaluation to impact some target institutions.
How to participate: Candidates who want to participate in the comprehensive evaluation can learn about the enrollment situation of those institutions, as well as the enrollment areas and subjects. The most important thing is to find a good organization. The college entrance examination model is a platform dedicated to comprehensive evaluation. Several of my students did it in their home, and finally they were admitted to Nanjing University of Science and Technology, but the most important thing is to see if you are suitable. Ask again if you don't understand!
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