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The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ). This information will affect individuals' lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans. It can be said that the personal credit report is an individual's economic identity card. Individuals should bring the original and 1 copy of their valid identity documents, fill in the "Personal Credit Report Inquiry Application Form" at the inquiry outlets, and submit the inquiry application. For individuals who make inquiries for more than 3 times in that year, the staff will inform them that they need to pay the inquiry service fee, and the individual will decide whether to pay the inquiry voluntarily. The fee is paid in cash at first, and will be gradually increased as needed in the future.