I didn't borrow a loan but received a repayment reminder.

If you don't have a loan, but you receive repayment information, it may be that the lending institution sent a wrong message, or someone else left the user's mobile phone number by mistake when applying for a loan. The first case can be ignored, because such short messages are generally sent in groups, and users can directly block them. The latter user can contact the lending institution and tell the lending institution that others have left their mobile phone numbers. As long as the lending institution deletes the user's mobile phone number information, subsequent users will not receive the information.

Because most users' mobile phone numbers are not confidential, it is possible for others to get their own mobile phone numbers to apply for loans. As long as the user does not provide the verification code to the stranger, there will be no case of identity theft to apply for a loan. Moreover, users can check whether there is a loan in their own name by querying. If there is no loan, they can directly ignore some loan information.

Microfinance

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, 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, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. 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.

Second, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.