According to Article 13 of the Interim Measures for the Administration of Personal Loans, after accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related 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;
(4) The source, ability and method of repayment of the borrower;
(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.
Other provisions on loans.
Article 18 of the Interim Measures for the Administration of Personal Loans shall comprehensively review the legality, rationality and accuracy of the loan investigation contents, focusing on the due diligence of the investigators and the borrower's repayment ability, credit status, guarantee status, mortgage (pledge) ratio and risk degree.
Nineteenth loan risk assessment should be based on the analysis of the borrower's cash income, using quantitative and qualitative analysis methods to conduct a comprehensive and dynamic loan review and risk assessment. The lender shall establish and improve the borrower's credit record and evaluation system.
Refer to the above? China Government Network-Interim Measures for the Administration of Personal Loans?