In the pre-lending investigation of commercial banks, loans are legal and compliant.

What you want to ask is what are the main contents of the legal compliance investigation of loans in the pre-loan investigation of commercial banks? Identify the legal subject qualifications of borrowers and guarantors, identify the legality and validity of pledges or rights, and identify whether the loan purpose is legal and compliant.

1. Whether the borrower and guarantor have the subject qualification, enterprise legal person, individual industrial and commercial households, etc. stipulated by law.

2. Whether the pledged goods or rights comply with the provisions of laws and regulations, and whether they are within the scope of mortgage or pledge.

3. Whether the purpose of the loan complies with the provisions of laws and regulations, and whether it is within the permitted scope.