In principle, the members of the credit due diligence exemption investigation and evaluation team shall not be less than 5. The credit due diligence exemption investigation and evaluation team refers to the team responsible for organizing the due diligence exemption investigation and evaluation in financial institutions such as banks. The responsibility of this group is to conduct due diligence and exemption investigation on the credit business, clarify the responsibilities and ensure that the credit work meets the regulations and requirements. In the process of due diligence and exemption investigation and review, the investigation team should review relevant documents and materials, listen to the statements and explanations of relevant personnel, and make corresponding opinions and responsibilities according to the investigation results. The work of the credit due diligence exemption investigation and evaluation team is helpful to improve the risk management level and service quality of financial institutions such as banks and promote their healthy and stable development. It is also conducive to protecting the rights and interests of financial consumers and enhancing market confidence and social trust.