Mainly verify the authenticity of the purchase transaction, the authenticity of the information, and provide the authenticity of the work certificate.
First, the borrower qualification examination
A has a local permanent residence or a local valid residence status.
Party B has a stable and lawful income source and the ability to repay the loan principal and interest on schedule.
C is law-abiding, with good moral character, good personal credit status and no bad credit record.
D being able to provide the guarantee recognized by the lending institution or having the credit qualification recognized by the bank.
Second, review materials
After receiving the application materials from customers, the handling personnel of the lending institution shall check whether the materials are complete according to the contents listed in the list, and conduct a preliminary examination on the completeness, standardization and authenticity of the materials. Specific review requirements are as follows
A. Whether the submitted materials are complete and whether the elements meet our requirements.
B. Whether the identity documents of the customer, guarantor, pledger and mortgagor are true and valid.
C ensure that the materials are in compliance with the regulations.
All materials should be verified by the handling personnel, and all copies should be consistent with the original.
If the information submitted by the customer is incomplete or does not conform to the specifications, the customer shall be required to supplement the information or provide it again in time.
Three, after the preliminary examination meets the requirements, the handling personnel shall make a pre-loan investigation on the loan application form and the list of application materials.
1, pre-lending investigation
Pre-loan survey is a comprehensive evaluation of customers' overall credit status and loan risk status, and finally forms a comprehensive evaluation opinion on loans. The pre-loan investigation should follow the principles of objectivity, science and fairness, and adopt the principle of combining quantitative and qualitative analysis.
The main means of pre-lending investigation include borrower interview, telephone interview, field investigation and information inquiry, and at least one of them must be used in pre-lending investigation.
content include
Personal basic situation survey
Credit investigation of the borrower
Investigate the borrower's assets and liabilities
Investigation on loan purpose and repayment source
E. Investigation of guarantee methods
2. Write a survey report
After the pre-loan investigation is completed, the investigators should sort out and analyze the investigation results and fill in the pre-loan questionnaire, which includes
The way of pre-loan investigation
B borrower's loan application, borrower's repayment ability, repayment willingness, guarantee and other information.
Main risk points and control measures of loans
D clearly responsible for the authenticity and integrity of the investigation content.