Most of them are legitimate. Please be wary of various fake loans and large-amount credit card information scams posted on the Internet! All the information released by various small loan companies and guarantee companies on the Internet that you can get a loan or apply for a credit card with just your ID card are basically low-level scams. No matter whether the company is registered or not, don’t believe it. The scammer will first trick you into signing a fax contract. And press your fingerprint, and then they will trick you step by step into paying insurance premiums, paying first month's interest, paying performance fees, deposits, guarantee fees, loan fees, notary fees, credit investigation fees, mortgage deposits, card opening fees, etc., etc. In the name of insufficient bank balance, checking your repayment ability or capital verification, you will be asked to transfer all the funds in your account to the scammer's account. You will even be asked to go to a designated bank to apply for a bank card and deposit a certain amount of cash, and then bind You don't know that this method will defraud you of all the money in your account. If you don't pay the fee as required by the scammer, the scammer will threaten you with the scammer's contract under the pretext that you have signed a contract with them. You are blacklisted

1. Review risk

The occurrence of loan risks often begins at the loan review stage. Based on the disputes that occur in judicial practice, it can be seen that in The risks that arise during the loan review stage mainly occur in the following links.

(1) Omissions in the review content may cause credit risks to bank loan reviewers. Loan review is a meticulous work that requires investigators to conduct systematic inspection and investigation on the qualifications, qualifications, credit, and property status of the loan subject.

(2) In practice, some commercial banks do not conduct due diligence, and the loan review personnel often only focus on the identification of documents and lack due diligence. In this way, it is difficult to identify fraud in loans. It is easy to create credit risks.

(3) Many erroneous judgments are caused by banks not seeking expert opinions on the relevant content or having professionals make professional judgments. During the loan review process, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in legal, financial and other aspects. In practice, most loan review processes are not very rigorous and in place.

2. Legal content of pre-loan investigation

(1) Examine the legal status of the borrower regarding its legal establishment and continued effective existence. If it is an enterprise, it should be examined whether the borrower is established in accordance with the law, whether it has the qualifications and qualifications to engage in relevant business, check the business license and qualification certificates, and pay attention to whether the relevant licenses have passed annual inspections or relevant inspections.

(2) Regarding the borrower’s credit standing, examine whether the borrower’s registered capital is suitable for the loan; examine whether there is any obvious evasion of registered capital; past lending and repayment status; and the borrower’s products Whether there are any illegal situations such as quality, environmental protection, tax payment, etc. that may affect the repayment.

(3) Regarding the borrower’s borrowing conditions, whether the borrower has opened a basic account and a general deposit account in accordance with relevant laws and regulations; whether the borrower’s (if it is a company) foreign investment exceeds 50% of its net assets. ;Whether the borrower’s debt ratio meets the lender’s requirements;