Yes, when applying for a loan in a bank, you need to record a video as evidence for an individual to apply for a loan. These are all procedures that banks need, and you can follow the bank's operation.
Do I have to video bank loans?
According to the latest regulatory requirements, banks must require double recording when issuing loans, so video recording is needed. One is for the authenticity and safety of loans, and the other is to prevent some criminals from illegally lending by using other people's ID cards and protect the safety of citizens' property.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
I. Review risks
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.
(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Second, the legal content of the pre-loan investigation
(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
Is it true that I gave you a bank loan of 1000 yuan?
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When a user applies for a bank loan, the bank may ask the user to record a video.
If it is an agent video, it is a scam and needs to bear the same repayment responsibility.
What is the video needed for face recognition of Nanjing Bank loan?
When a bank issues a loan, it will record the willingness and authenticity of the loan in various ways.
When users apply for loans, they sometimes need face recognition, which may be recorded or snapped. However, this is used by lending institutions to save user information. Even if it is recorded, you can't apply for a loan with the recorded video, because face recognition only supports real-time shooting.
Moreover, this is a relatively advanced auditing technology, which can effectively avoid the situation that others steal their identities to apply for loans, and the loan security of face recognition will be higher.