The loan investigation includes the following contents: the basic situation of the borrower; The income of the borrower; The purpose of the loan; The repayment source, repayment ability and repayment method of the borrower; And the guarantor's willingness to guarantee, ability to guarantee or the value and liquidity of collateral. Legal basis Article 14 of the Interim Measures for the Administration of Personal Loans The loan investigation includes but is not limited to the following contents: (1) Basic information of the borrower; (2) The income of the borrower; (3) the purpose of the loan; (4) The source, ability and method of repayment of the borrower; (5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity. Fifteenth loan investigation should be based on field investigation, supplemented by indirect investigation, and take on-site verification, telephone inquiry, information consultation and other ways and methods.

2. What are the basic contents of the corporate customer loan market survey?

I lick the bank's investigation report on the amount of loans applied by borrowers. XX bank: the borrower applies for a loan of RMB (yuan). After on-the-spot investigation and demonstration by the customer department manager of our bank, the specific situation is now reported as follows: 1. Basic information of the borrower, age, (nationality) and address. Now engaged in industry, family income. Two. Use of funds The borrower's loan purpose, the amount and duration of the loan application. Three. Mortgaged borrower is willing to use the real estate under his name as loan collateral, and the address, area, structure and total investment of the real estate. After consultation with the property owner, * * * agreed to use RMB as the mortgage for the borrower, and issued a mortgage commitment letter. Four. The source of repayment funds is that the borrower will return the income to the loan principal and interest. 5. After investigation and demonstration by the investigation team of our client department, the collateral is true, sufficient and effective, and the borrower is allowed to apply for RMB loan for a term of. Now submit it to the loan review Committee for approval! Investigator: Officer YY.

3. What does the bank credit department do?

The Bank Credit Department is responsible for:

1, responsible for the development planning and management system of credit business;

2. Prepare and implement the business plan;

3. To be responsible for the investigation, examination and inspection of credit business and the preliminary examination of loan application;

4. Responsible for professional statistics and the organization and management of account managers;

5, responsible for the collection and management of loan principal and interest, housing reform financial business. The recruitment requirements of the bank credit department are:

1, college degree or above, age18;

2. Have good ideology and morality;

3. Clear logical thinking and strong oral expression ability;

4. Proactive working attitude.

Four. The due diligence of account managers in handling working capital loans includes analyzing and revealing the financial risk, management risk and market risk of borrowers. ()

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