1. Will the loan be investigated at home?
What the bank wants to investigate are the people and things that are directly related to the loan. and verification of some basic information. For example, if your guarantor is a family member, this must be investigated. If you are using your home as collateral, have the home surveyed. Information verification is mainly a relatively simple verification, similar to credit card processing, to prove the authenticity of the information.
2. The contents of the personal credit loan pre-loan investigation include ().
The contents of the pre-loan investigation for A, B, C, D, and E personal credit loans include: ① The lending bank must verify whether the information provided by the borrower is complete and authentic, and inform the borrower of the responsibilities Obligations and consequences of default; go to the borrower's workplace or place of residence to have a face-to-face talk. ② The investigator should investigate whether the borrower applicant has a local household registration, whether the applicant has the right to apply for a loan, supervisors, managers, credit business personnel and their close relatives. Managers at all levels of the bank who have direct influence on personal credit business decisions, credit business Personnel refers to persons who have the authority to decide or participate in personal loan investigation, review, approval and management of the bank's personal credit information basic database as to whether they have bad credit records. By inquiring the lending bank's personal credit rating system, personal financial business information, personal consumer credit management information, etc., verify the borrower's assets, liabilities and credit status in the lending bank, and comprehensively examine the borrower's contribution to the lending bank. ④ Whether it complies with national laws and regulations. ⑤ It is necessary to verify the income certificate and investigate whether the borrower and his family members have stable income sources and whether they have the ability to repay the loan principal and interest on time.
3. What are checked in the household survey for bank loans?
Household assets are household real estate, such as houses and cars; basic personal information is personal name, gender, Age, marital status, work and income status, physical condition and personal repayment ability, etc. In fact, these things should be written by bank staff after investigation based on the information you provided, not by you yourself.
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4. What is included in the bank’s loan business investigation?
"Mainly includes querying the People's Bank of China's personal credit reporting system to check whether the customer has a bad credit record, querying the identity system of the Ministry of Public Security to verify whether the borrower's identity information is true. Field investigation to verify the authenticity of the purpose of the loan, Whether the collateral is valuable and valid. Make phone inquiries to understand the borrower’s workplace, employment status, tax receipts, social security and other materials to verify the borrower’s income and asset strength: Due diligence is an important part of the credit business and requires customer information. Collect, organize, compare, and analyze to determine the customer's repayment ability and willingness to repay, and provide practical risk control opinions to reduce the risk of loan overdue from the source. The basic preparation work includes: collecting customer information and listing. Identify the key points of the investigation, fill in the investigation outline, and make an appointment with the customer. The basic principles for customer due diligence are: the two-person investigation principle. The two-person investigation principle is also called the AB corner principle, which means that each credit business must be conducted by at least the sponsor (A corner). Co-organize (B corner) two credit officers to conduct due diligence and sign clear opinions in the investigation report. The principle of on-site inspection means that the credit manager should go deep into the site to conduct an on-site inspection of the customer, company, family, collateral and guarantor. On-site verification. To ensure the authenticity and validity of the information provided by the customer. In accordance with the principle of true reflection, the two credit managers, the organizer and the co-organizer, should reflect what they learned during the due diligence investigation in a realistic manner and avoid any risk points. Cross-validation principle, cross-validation means that during due diligence, the credit manager confirms the same information through different channels to see whether the information provided verbally by the customer is consistent with the written information and the actual situation, and to judge whether the information provided is true and accurate. Complete. During the due diligence process, try to collect all kinds of customer information documents, such as financial statements, purchase documents, sales documents, logistics documents, customer order forms, statements, utility bills, etc., and verify them one by one when necessary. Cross-validation method can be used.
Compare these written materials with each other and with the information provided verbally by the customer to determine their authenticity and reliability. Banks and individual customers must conduct due diligence in addition to establishing business relationships for the first time. Continuous due diligence after establishing a business relationship is not only an important part of anti-counterfeiting work, but also the focus of on-site inspections and common causes of punishment by the People's Bank of China. "