1. Investigation and analysis of the borrower himself?

Personal information of the borrower, including ID card, household registration book, education background, credit information, court information, etc.

The borrower's family, marriage and residence, etc.

The borrower's self-cultivation, bad habits, health status, etc.

Investigate and analyze the borrower's comprehensive ability, including communication ability, management ability, experience, business site, industry analysis ability, etc.

The borrower's credit history. There are no overdue records of bank credit information and malicious overdraft records of credit cards; Have you defaulted on payment for goods, taxes, or breached the contract?

Analysis on the cooperation degree of borrowers. The borrower shall answer the questions truthfully, without evading or covering up, and actively provide the required information. Whether the borrower is unwilling to answer some questions or provide key core certification materials during the evaluation process, and whether there is any suspicion of intentional concealment. If the borrower is too enthusiastic about the appraiser, there will be great risks. ?

Two, the investigation and analysis of the borrower's enterprise ownership structure and the borrower's company division of labor.

The relationship between the actual controller and shareholders of the company (relatives, colleagues, etc.). ), the number of shares held by the borrower, the status of shareholders in the company, whether the shareholders know the loan, and whether the shareholders are harmonious.

Business management of the borrower.

Management system, production regulations, organizational structure, employees' working attitude and site cleanliness.

The borrower's business strategy, profit model, off-season and cooperation model.

Whether you have your own brand, whether the products are accepted by the market, how the sales channels are, whether the sales policy is cash sales or credit sales, and the future business plan.

The development prospect of the borrower's enterprise

The stage of the enterprise, the degree of competition in the industry, the industry prospect and the potential threat of substitutes, understand the purpose and vision of the borrower's operation, and prevent fraudulent loans by backdoor.