1. Credit evaluation: Xuzhou Rural Commercial Bank will judge the repayment ability and credit status of customers by evaluating their credit records, financial status and operating conditions, so as to decide whether to provide credit services to customers.
2. Guarantee measures: Xuzhou Rural Commercial Bank will require customers to provide guarantees, such as real estate, vehicles and other assets, to reduce credit risk.
3. Post-loan management: Xuzhou Rural Commercial Bank will regularly monitor and manage the loans that have been issued to ensure that customers repay the loan principal and interest on time as agreed in the contract.