In the early stage, the account manager accompanied the customer to solve the pre-loan problem, with controllable risks, and provided information to the customer when the bank policy allowed.

In the medium term, the credit manager reviews the authenticity, feasibility and risk estimation.

In the middle and later period, the evaluation department will further review the authenticity, feasibility and risk coefficient. The loan department has complete audit materials and perfect laws to control the internal risks and costs of banks.

After the loan, the account manager follows up the customer's situation, grasps the risk change, and the credit manager evaluates and manages the post-loan risk.