The lender shall require the borrower to apply for personal loan in written form, and require the borrower to provide relevant information that can prove that it meets the loan conditions; After accepting the borrower's loan application, the lender shall perform the duty of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and relevant information, and form an investigation and evaluation opinion.

Legal basis:

Interim Measures for the Administration of Personal Loans

Article 11 An individual loan application shall meet the following conditions:

(1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Article 12 The lender shall require the borrower to apply for personal loan in written form, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Article 13 After accepting the borrower's loan application, the lender shall perform the duty of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and relevant information, and form an investigation and evaluation opinion.

Article 14 The loan investigation includes but is not limited to the following contents:

(1) Basic information of the borrower;

(2) The income of the borrower;

(3) the purpose of the loan;

(four) the borrower's repayment source, repayment ability and repayment method;

(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.

Fifteenth loan investigation should be based on on-the-spot investigation, supplemented by indirect investigation, and take ways and methods such as on-site verification, telephone inquiry and information consultation.

Article 16 The lender may prudently entrust a third party to handle some specific matters in the loan investigation on the premise of not harming the legitimate rights and interests of the borrower and controlling the risks, but the qualifications of the third party must be clarified. The lender shall not entrust all matters of loan investigation to a third party.

Seventeenth lenders should establish and strictly implement the loan interview system. If low-risk loans are issued through electronic banking channels, the lender shall at least take effective measures to determine the true identity of the borrower.

What is a policy loan?

Policy loan is a general term for all kinds of loans with specific investment and purposes issued by the central bank and policy banks to implement the country's economic development policies in different historical periods. Under the conditions of China's commodity economy and market economy, policy loans, as the credit-leaning behavior of the national bank to regulate and control the macro-economy, reflect the policy orientation of the country in developing the national economy.

Its main features are:

1, the loan mainly obeys the national reality and long-term economic development strategy and industrial policy.

2, the choice and determination of loan investment, based on national policies, with a certain mandatory.

3. Products (commodities) and projects supported by policy loans are guaranteed and have priority.

4. The interest rate is generally lower than the benchmark interest rate.

5. In terms of credit management, it is generally a separate scale, special management, targeted delivery and earmarking.

1988, specialized banks put forward preliminary suggestions on establishing a policy loan management system. The main contents include: determining the priority sequence of loans and dividing the scope of policy loans. For example, all projects, products and commodities that are included in the priority sequence of loans according to the requirements of the national industrial policy are issued according to the policy loans. Support bottleneck industries such as energy, transportation and raw materials, and production industries of agricultural materials and tight industrial products in the production field. In the field of commodity circulation, support the purchase of loans needed to reserve daily necessities and market-sensitive commodities.

Policy bank loans shall be independently audited by all policy banks within the total annual loan scale determined by the People's Bank of China according to the project or enterprise applying for loans and in accordance with relevant regulations to determine whether to lend or not. Benefit is also one of the factors that need to be considered in policy bank loans. Policy loan is the main asset business of policy banks in China at present. On the one hand, it is instructive, non-profit and preferential, and provides preferential treatment in terms of loan scale, term and interest rate; On the other hand, it is obviously different from the financial appropriation that can be occupied for free, but on the condition of repayment, and it has the same financial attribute as other bank loans-repayment.

Does the country have a policy of interest-free loans?

Yes, the national interest-free loan policy, in accordance with the provisions of the notice, has the following provisions for applying for small secured loans:

The maximum amount of small secured loans is not more than 50,000 yuan. Only 20,000 yuan is allowed to hold a "Re-employment Concession Card" and obtain a certificate of entrepreneurship training or a personal credit certificate issued by a credit cooperative district.

The principal of the small secured loan shall be repaid in installments, that is, the repayment shall be made in equal monthly amount in the second year; Small secured loan interest is not charged to the borrower, which is specifically declared by the undertaking financial institution and audited by the guarantee company, and then allocated by the municipal finance on a quarterly basis.

Application conditions for national interest-free loans:

1, laid-off workers in urban areas (holders of "Re-employment Concession Certificate" or "Unemployment Certificate" issued by the labor and social security department);

2. Unemployed demobilized soldiers in cities and towns (valid retirement certificates should be provided);

3. Registered unemployed persons in cities and towns (holding unemployment certificate);

4. College graduates who have not been recommended for employment for more than half a year and require employment (submit the "Graduation Certificate" of full-time colleges and universities and the "Employment Registration Certificate for College Graduates" issued by the competent department of college graduates).

5. The loan object must be a China citizen who has a fixed residence in the urban area of Sanming City, has a permanent residence in the local town and has full capacity for civil conduct. 6, the loan object must be within the legal working age, healthy, honest and trustworthy, with entrepreneurial will, with certain labor skills.

7. Be law-abiding, honest and trustworthy, and have no illegal acts and bad records (those with bad credit records for more than three times will not be handled).

8. The projects invested by the established economic entities comply with relevant national laws, regulations and policies, and have obtained industrial and commercial business licenses and tax registration certificates.

9. Those who have enjoyed the preferential policies for small secured loans will no longer enjoy the preferential policies for small secured loans.

Venture loan policy in 2022

(1) College graduates start their own businesses within two years after graduation, and apply for business licenses at the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial paid-in capital shall not be less than 10% of the registered capital (the capital contribution shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 1 year, and the balance can be paid in installments within 3 years.

(2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of the tax authorities.

Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year and levied enterprise income tax by half in the second year with the approval of the tax authorities;

Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residential service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities.

The longest loan period is two years. If it is determined that it needs to be extended at maturity, you can apply for an extension once.

The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is five times that of the guarantee fund, and the term is the same as the loan term.

(3) Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries should provide self-employed graduates with simplified procedures and convenient account opening and settlement, with a loan amount of about 50,000 yuan.