In the bank credit business, there is a saying that there are three axes of risk control: reducing the amount in stages and adding guarantees. However, this is also biased, and those who agree are principled. There is a set of strict regulations, such as reducing the amount, not reducing the amount in stages, increasing or not guaranteeing. Generally speaking, risk control measures include customer screening before lending, customer review during lending and customer management after lending. Let's expand it a little bit. Pre-loan investigation. Each bank has its own customer access standards, such as industry, scale, asset-liability ratio, credit history, age, collateral and so on. If it is not in the access standard, it is directly rejected, which is called risk aversion. Pre-loan investigation and review is the focus of risk control, that is, data review, on-site investigation, off-site investigation, etc. For those customers who meet the access standards, another screening will be conducted, and the risky customers will be excluded through the investigation of the borrower's assets, income and credit. Loan review. It is a process of customer re-screening, including basic data review, compliance review, process analysis, credit analysis, financial analysis, scheme design, etc. Post loan management. If the risk is not well controlled before the loan, the loan is given to the wrong customer, or the customer is fine, and new risks appear after the loan, then a post-loan management system is needed to control it, including post-loan management of normal customers, post-loan management of overdue customers, loan extension, loan repayment, restructuring, loan collection, non-performing loan disposal and so on. In short, it is to control the risk to a minimum.