(1) Basic information of the customer: mainly including the borrower's name, ID number, home address, family population, major family members, family asset responsibilities, credit rating, etc. (2) Production and operation: production and operation items and scale, annual output value, family net income in the previous year, production and sales of leading products, development prospects, current production and operation status, etc. Second, the loan situation The reason, purpose, interest rate pricing and payment plan of the loan application are in line with the relevant national policies and the credit policy of rural credit cooperatives, and what is the market prospect? What is the expected return? How much money you have, how much money you still need, how long it will take to recover the cost, and when to pay off the loan. Previous loan repayments and stock loans (inquired through the credit information system of the People's Bank of China and the credit information system of rural credit cooperatives). Third, the repayment ability analysis This is the main content of the loan investigation report. First, analyze the customers who apply for loans, whether their products have a market, whether their production and operation are profitable, whether they misappropriate credit funds, whether they have a history of maliciously defaulting on loans or payment from banks, other units and individuals, and whether they are trustworthy. Second, whether the business activities of the loan applicant are legal and in line with the national industrial policy, social development planning requirements and credit support direction. Third, the level of production technology, product sales, product price changes (compared with production costs), main sales units, payment settlement methods, payment recovery, etc. The fourth is the analysis of repayment methods and sources. Four, the loan guarantee is a mortgage loan, indicating the name, specific location, ownership, lease method, quantity and quality, evaluation value, mortgage rate, value stability, liquidity and so on. ; For the loan in the form of guarantee, write down the basic information of the guarantor (the same as the borrower), analyze and evaluate the guarantee qualification, the guarantor's compensation ability and the guarantor's source of funds. V. Comprehensive Benefit Analysis of this credit business Through analysis, the economic benefits brought by this loan to enterprises, society and credit cooperatives are calculated. Analyze customer settlement and cooperation potential. Credit risk assessment and risk degree calculation of intransitive verbs Through the analysis of the borrower's basic situation, production and operation situation and benefit situation, combined with the mortgage guarantee situation, the loan risk is evaluated and the loan risk degree is calculated according to the credit rating of farmers. Seven. Put forward the investigation conclusion. On the basis of analyzing the comprehensive benefits of loans, investigators should generally evaluate the "economic strength, production and operation, credit and risk status" of customers, and make clear the following matters in combination with the loan purpose, repayment source and plan: 1, whether to lend; 2. Loan method; 3. The loan amount; 4. Term of loan; 5. Loan interest rate; 6. repayment methods, etc. 8. The researcher declares and signs, and takes full responsibility for the authenticity of the above investigation and conclusion.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.