What is the risk control standard for loans?

The loan risk control standard means that before the lender applies for a loan, banks and small lending institutions will review whether the lender's relevant information meets the loan conditions according to certain standards, and some lending companies will also conduct on-the-spot inspections. The contents of the review mainly include the review of personal information that can prove their credit status and the review of repayment ability. If there is mortgaged property, asset appraisal procedures should be done.

Who are the high-risk users?

1, divorced, single, no fixed job, no moral constraints;

2. No family members, single;

3. There is no real estate under the name;

4. You can leave at any time without a hukou or a local hukou;

5. Do not pay social security;

6. Both husband and wife apply for loans from each other and act as guarantors for each other, which is suspected of fraud;

7. Single women without business ability;

8. Living in high-risk areas listed by some banks, such as Fujian and Wenzhou;

9. With a government background, it is difficult to collect debts;

10, parents are older, over 80 years old, and it is difficult to recycle;

1 1. Among the immediate family members, more than one person is seriously ill and has only one house.

The above are common high-risk users, and loan companies or banks generally do not lend money to such users when reviewing loan applications. It is suggested that users can improve their personal credit status and repayment ability when they want to apply for a loan, so as to improve the pass rate of loan application.