1. Credit risk assessment: According to the Banking Supervision Law of the People's Republic of China and the Law of People's Republic of China (PRC) Commercial Bank, banks need to comprehensively assess the credit status and repayment ability of borrowers when granting loans. If the borrower has high credit risk, inability to repay or high debt ratio, the bank has the right to refuse the loan or take corresponding risk control measures.
2. Account risk control: the account risk is high, the bank card is frozen or restricted, and the ID card expires, which may also cause the fast loan to be unable to be transferred to the personal account. These measures are aimed at protecting the safety of bank funds and preventing the occurrence of credit risks.
3. Supervision on the use of loan funds: CCB Express Loan is a pure credit consumption loan, and the use of funds needs to comply with the regulations. It cannot be used to buy stocks, funds and other investments, nor can it be lent to others to charge higher interest, or even used to repay other loans. In order to avoid illegal use of loan funds, banks have set up procedures for withdrawing loan funds, allowing only borrowers to transfer credit funds to personal settlement accounts of other banks.
4. Business compliance: Banks do this not only for their own business compliance, but also for the convenience of customers to use credit funds.