2. Check the business items at home. By visiting the borrower's home on the spot, we can see whether the actual business project of the borrower is the same as the loan application, and whether the loan application amount matches the business scale.
3. Check the actual destination of the loan. Check the actual destination of the loan by looking at the summons of the day. If the loan was withdrawn or transferred by the related party at that time to repay the loan of others, it may be a loan under the name.
4. Check the guarantor's willingness to guarantee. Get to know the guarantor on the spot or by phone, and ask who he has provided the guarantee to. How much is the deposit? Whether it is voluntary or not, who asked it to provide guarantee.
5. Check the borrower's family members' understanding of the loan. Get to know the borrower's family members by phone or on the spot, and ask what their families are doing to apply for loans, and how much they are applying for loans. Conduct investigations and facts.
6. Ask the borrower's guarantor. Most of the guarantors of Lending Bao are not invited by borrowers, but most of them are invited by actual users. In the audit, you can check whether the loan is a loan by asking the guarantor of the borrower and checking with the actual situation of the guarantor.
7. Check whether the guarantor is related to the borrower. The borrower of a nominal loan is generally related to the actual user (generally participating in the guarantee). They may be relatives, friends, neighbors, colleagues or employees in the factory. If this is the case, and the guarantor has a large loan, then this loan may be a nominal loan and needs in-depth audit.
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Easy Loan China is a lending institution. In 2009, the number of online loan transactions reached 6.5438+0.8 million, including 654.38+0.20 Chinese and foreign banks and many regular small and medium-sized banks, including Bank of China, Industrial and Commercial Bank of China, Shenzhen Development Bank, Standard Chartered Bank, Industrial Bank and Shanghai Pudong Development Bank. At the same time, because the applicant can apply for a loan through Easy Loan China, and then Easy Loan China will recommend the applicant to its cooperative bank, if the loan product of a bank is suitable, the applicant's information will be submitted to the bank, and then the bank will contact the applicant and ask the applicant to issue relevant information to prove that the loan is approved. Generally, the application time for personal loans is 1 to 2 weeks, and the application time for corporate loans is 2 weeks 1 month. Compared with an individual applying for a loan in a bank, on the one hand, it saves related expenses, and at the same time, Easy Loan China analyzes and recommends professional loan products, which saves the time for a single lender to constantly choose a loan product that suits him. Reminder: Please keep your cell phone on. If the telephone check fails three times, the loan will not pass the preliminary examination. Don't expect the landlord to choose the answer, but you have to understand! An application can be submitted to multiple banks, which saves the time for lenders to go to major banks and reduces the costs other than loans.