The loan survey is an important link in the loan, mainly to assess the borrower ' s credit position and financial capacity, and to determine the loan line and interest rate. In conducting the loan survey, the following elements were included:

What was included in the loan survey

1. Personal information survey: this is the basis for assessing the borrower ' s credit position, including information on the borrower ' s identity card number, name, age, marital status, educational background, work experience, occupation and position. This information can be obtained through, inter alia, access to information submitted by the public security authorities, the human resources and social security services and individuals。

2. Credit record survey: an assessment of the borrower ' s credit history, including by searching for the borrower ' s credit reports and correspondence platform records, determination of whether the borrower has a poor record of overdue payments, arrears, etc., and determination of the borrower ' s credit rating。

Financial surveys: These include, inter alia, assessments of personal assets, liabilities, solvency, liquidity, and surveys of borrowers' income, fixed assets and external guarantees。

4. Security investigation: If the loan is secured, an assessment of the condition of the guarantor ' s assets, repayment capacity, etc., is required to determine its viability as a guarantor。

5. Behavioural surveys: Information on the social capacity and credit status of borrowers and their reputation and image in the community, including through surveys of their social networks and interpersonal interactions。

In conclusion, the loan survey is an important pre-prior to a loan application, and the amount of the loan and interest rate are determined by means of a multi-faceted survey of the borrower ' s personal information, credit records, financial information, conditions of security and behaviour, which assesses the borrower ' s credit position and capacity。