Fast loan is a credit loan service platform, which mainly serves individual users. Users can use their ID cards to complete loans, and at the same time provide users with loan information, loan strategies, credit card loans, provident fund loans and other services to solve users' short-term capital turnover needs.
The characteristics of loan business are: no entry threshold is set, rating and customer credit are not emphasized, and on the basis of full and effective guarantee provided by the enterprise, it is associated with the credit of the owner or major shareholder of the enterprise and handled separately.
Review risk
1. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
2. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.
3. Many wrong judgments are caused by banks not listening to experts' opinions on relevant contents or professional judgments of professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.